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General Causes of Child Injuries

Children are physically and mentally limited. Partner this with the fact that they have the tendency to be curious and reckless, and you have the recipe for accidents and children injuries. As the adult, you should be the one who is putting the children away from harm’s way.

In fact, according to the website, families who have children who have been injured because of preventable accidents may have legal options, especially if another party, for example a babysitter, has been involved.

But how can a child be injured? Below are the general ways a child can sustain an injury.

Dangerous Materials

Children may be exposed to materials that may be harmful for them. This exposure can be the result of an adult’s failure to put harmful objects away from children or product makers who create dangerous products.

Parents should be particularly wary of choking hazards, such as small objects found inside and outside of the house. They should be responsible enough to put these things away from reach. Product makers should also be responsible, especially in the design of their products or the materials used in their products, such as plastic and lead.

Lack of Supervision

Since children tend to be curious, they may do reckless behaviors to satisfy their curiosity. It is even worse if you think about the fact that children often do not know the dangers around them, and even if they do, they may not have the power to defend or protect themselves.

Usually, a lack of supervision results into exposure to dangerous materials and other accidents that may have been prevented if the adult has been paying attention to the children.

Premises Liability

No matter how effortful an adult is in supervising the children and putting them away from harm’s reach, the children can still be injured if the place is inherently dangerous, like when a playground has been poorly maintained and has defective facilities, a swimming pool has no fences and water depth signs, or a house has an untrained dog on the loose.

In these cases, property owners may be held liable.

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Personal Injury Protection: Do You Need It?

As data from the United States Census Bureau suggests, car accidents are a prevalent problem across America. According to the bureau’s 2012 statistical report, an average of 10.6 million vehicular crashes was reported annually for the years 2004 until 2009. Such an alarming figure only goes to show that anyone commuting on roads and highways face significant risks that could lead to dangerous situations. To safeguard the public from the devastating blow caused by car accidents, a number of states require drivers to hold Personal Injury Protection or PIP Insurance.

Personal Injury Protection is required in the states of New York, Pennsylvania, New Jersey, Michigan, Minnesota, Florida, Kentucky, Kansas, Hawaii, and the District of Columbia. It is basically a type of insurance coverage applicable for no-fault accidents. Through PIP coverage, individuals are able to receive compensation for medical costs and other related expenses that come in the aftermath of a car crash, regardless of who or what may have caused the accident. State laws require drivers to hold a minimum amount for PIP insurance, although drivers may purchase higher premiums to receive more coverage in case the worst does happen. As pointed out by the website of West Palm Beach personal injury protection attorneys Schuler, Halvorson, Weisser, Zoeller & Overbeck, P.A., drivers in Florida are required to have a minimum of $10,000 PIP coverage.

Individuals residing outside the ten states requiring Personal Injury Protection have several other options for insurance coverage that can act as a safety net for no-fault car accidents. A lot of insurance companies provide coverage programs that help protect drivers and passengers from unprecedented events. However, it’s also important to note that not all insurance companies follow the practices required of their industry. Keep in mind that some insurance providers commit bad faith and other predatory practices.

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