Regardless of how safely and defensively you drive on the road, accidents are bound to happen on occasion. Weather, distraction and intoxication are often factors involved in causing vehicle accidents, and even the smallest accident can lead to a serious injury that requires extensive time, money and energy to treat. All drivers, pedestrians and passengers can benefit from knowing what steps to take after a car accident to protect yourself financially, particularly if you were not at fault.
While not everyone may like paying for car insurance, it can be a lifeline should you be injured in a car accident. In Minnesota, drivers are required to carry both uninsured motorist coverage and underinsured motorist coverage as part of their car insurance policies. Our readers may wonder, however, how does uninsured/underinsured motorist coverage work?
Few Minnesota drivers give much thought to the types of insurance their fellow motorists have until they are involved in car accidents. Standard procedure after a collision, after making sure that no one is injured or requires medical attention, is to trade contact and insurance information so that the parties may file a claim for the recovery of their losses. However, when one of the parties does not have sufficient insurance to cover the costs that his negligence created the process can be more complex.
The Minnesota Department of Transportation works to eliminate accidents at the dangerous intersections where trains and vehicles meet. The agency does so by replacing antiquated, unsafe crossing mechanisms with newer, more visible and efficient tools that improve driver awareness of railroad tracks. However, despite MDoT's efforts, Minnesota residents are still losing their lives when they cross paths with trains.
During the winter it is a pretty common sight for a Minnesota resident to see a motor vehicle accident on the side of the road. Most of the time, these incidents are simply nuisances that the involved parties must get through in order to go on with their days. For some, car accidents are life-changing events that alter the ways that they interact with their loved ones, perform their jobs, and function in society.
Minnesota natives are no strangers to ice and snow. However, that doesn't mean that they aren't injured on icy or snowy surfaces on a regular basis throughout the winter season. In fact, according to a recent article physicians in the Twin Cities area have seen more patients as of late -- both emergency room patients and those admitted to the hospital -- due to slip-and-falls on icy surfaces outside. Injuries to patients' wrists and ankles are common. The wrist injuries usually occur when a person reaches out to catch their fall. Ankle injuries often occur when a person twists while falling.
When a car weighing 2,000 pounds is being driven at a high rate of speed or in a reckless way, it comes as no surprise that a fatal car crash can occur. Unfortunately, hundreds of people lose their lives in car accidents on Minnesota's roads every year.
Residents of Minneapolis are no strangers to ice, snow, sleet and other unfavorable winter weather conditions. Some may even look forward to the occasional "snow day" the season brings. However, residents of Minneapolis should be aware of any duties property owners have to keep their outdoor property safe for others.