The Harding Law Firm News

What You Need to Know About Protecting Your Family from Uninsured Drivers

The Harding Law Firm - Friday, July 25, 2014

In a perfect world, everyone would have the auto insurance they need, with plenty of liability coverage. That’s not the case. Unfortunately, drivers responsible for car, truck, motorcycle and other vehicle accidents may have no insurance or insufficient insurance to cover the damage they cause. 

If you’re involved in an accident with a vehicle with very little liability coverage, you could suffer the consequences. That’s right. If you’re in an accident with someone with minimal coverage, you and your family could be left stranded, without the payments you deserve. 

Something else you need to know: many high-risk drivers, such as those with previous DWI’s, carry minimal insurance coverage. 

New York State now allows people to buy additional insurance that would cover you and your family in this situation. It’s called supplemental uninsured or underinsured motorist coverage. It is inexpensive, and covers you and your family up to the amount you select when you add it to your policy. 

We strongly recommend you take out this supplemental insurance to protect your family. It’s a risk you don’t need to take, and you’ll rest easier knowing you’re covered.

What you can do to avoid lawn mowing injuries.

The Harding Law Firm - Tuesday, July 15, 2014

Mowing the lawn is a chore that comes with summer, and even though most of us don’t love the task, it’s all worth it when we see the lush green grass afterwards. 

But lawnmowers pose tremendous risks if not properly operated. According to the Consumer Product Safety Commission, in 2013 alone, more than 200,000 people across the U.S. were admitted to the hospital or treated in a clinic or emergency department for lawn mower-related injuries. 

Here are recommendations for safely operating your lawn mower: 
    • Wear sturdy shoes when mowing, not sandals or sneakers. 
    • Make sure children are not in the yard while a lawn mower is being used.
    • Only use lawn mowers equipped with a control that stops the mower blade if the handle is released.
    • Do not allow children younger than 12 to operate a push lawn mower.
    • Do not allow children younger than 16 to operate a driving lawn mower.
    • Remove stones, toys and other items from the lawn before mowing to prevent injuries from flying objects.
    • Wear protective glasses or goggles when mowing.
    • Don’t pull lawn mowers backwards or mow in reverse unless absolutely necessary. If the lawn mower is used in reverse, carefully check that no children are in its path.
    • Always turn the mower off and wait for the blades to stop moving before removing the grass catcher, unclogging the discharge chute, crossing paths or roads, or making repairs.
    • Don’t use your hands or feet to remove debris from lawn mowers (use a broom handle instead).
    • Don’t take children for rides on lawn mowers.
    • Drive up and down slopes, not across to prevent a lawn mower from rolling over.
    • Properly maintain or service lawn mowers so they are in good working order. We wish you a safe and happy summer with your family and friends!