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All You Need to Know About Personal Injury




Life is full of surprises. Some may be good and genuinely bring joy to your heart, while others can be tragic and leave you nursing mental and physical injuries. One of them is personal injury. 

While the term may be pretty straightforward, many people do not know what injuries qualify as personal injuries. As such, they fail to get the right compensation whenever they are involved in such cases. 

With this in mind, this post will dive into the ins and outs of personal injury and divulge what kind of injury qualifies under this class. The intended outcome is that you will be in a better position to seek compensation if you ever get involved. 

Types of Personal Injuries

Personal injury is an umbrella term that refers to many different kinds of accidents. They are listed below. 

Car Accidents

Car accidents come at the top of our list since they are some of the most common types of personal injuries. Surprisingly, most people do not realize that accidents fall under this class. 

Therefore, if you have been involved in any kind of accident where you were not at fault and suffered any injury, you may file a personal injury claim for appropriate compensation. If another driver was responsible, you could file a lawsuit against them. 

Harmful Commercial Products 

What if you develop an injury from a commercial product such as a chemical? In that case, you can file a personal injury claim against the product manufacturer. However, remember that there are some thresholds you have to meet. 

For instance, you have to prove that the manufacturer was actually aware of the harmful effects of the product and still went on and sold them to you. This way, the claim is more likely to be successful. 

Contaminated Food or Drink Products

This injury is pretty much the same as the one listed above. This is when consumable drinks and food cause bodily harm due to defects. In such cases, then you can file a claim against the manufacturer. 

Similar to commercial products, you also have to show that the manufacturer was aware of these defects when selling the products to you. That way, your claim will likely work, and you can receive the appropriate compensation. 

Workplace Injuries

Many people do not know that workplace injuries are also encompassed under personal injury cases. This may be partly because some conditions must be fulfilled for such cases to fall under this class. 

While you may be liable for workers’ compensation benefits, in some specific scenarios, your employer may also be held at fault in a personal injury claim. This is likely to happen in scenarios when the accident resulted from negligence and unsafe working conditions. 

Motorcycle accidents 

Motorcycle accidents normally result in serious injuries. In cases where another driver was responsible for the crash, you may file a personal injury claim against them. 

Defective Medication 

If you get injured due to bad medication, you may also file for a personal injury claim. Here, you need to prove that the medicine manufacturer was aware of the drug’s risks when selling them to you. You must also show that this party failed to notify consumers of these risks. 

Slip and Fall Accidents 

Many people fail to seek compensation after suffering injuries from slip and fall accidents since they are unaware that these fall under personal injuries. The truth is that you can seek compensation from the property owner. 

Faulty Protective Equipment 

If you ever get injured after using faulty protective equipment, you can file a personal injury claim against the manufacturer. You also need to prove that the company was aware of these risks and sold the item to you without a prior warning. 

Defective Toys 

Defective toys can lead to injuries despite being used in the right way. In such cases, you can file a claim against the manufacturer for compensation for the damages. You must also show that the company was aware of risks and failed to warn buyers. 

A Final Word

Above are some of the most common cases that fall under personal injury. What if  you ever get involved in any kind of accident? Even if it is not among the above mentioned ones, you need to contact Crystal Del Toro of Del Toro Law Firm for advice on the appropriate compensation. 

Michelle has been a part of the journey ever since Bigtime Daily started. As a strong learner and passionate writer, she contributes her editing skills for the news agency. She also jots down intellectual pieces from categories such as science and health.

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9 Simple Steps to Dealing with a Broken Tooth




Credit: freepik via Freepik

It’s movie night, and you have an obligatory bowlful of popcorn balancing on your lap. You toss a handful of popcorn and — crack — you unknowingly bite down on a kernel with the full power of your jaw. 

Lightning strikes your mouth as you realize this humble kernel broke your tooth. 

Now what? 

Besides pausing the movie and spitting out your mouthful of popcorn and tooth, you might not know your next steps. 

What should you do, and how can you pay for it? Find the answers to these questions and more below:

1. Save the Pieces 

If possible, save any broken pieces of the tooth. Your dentist might need these pieces.

2. Rinse Your Mouth 

Gently rinse your mouth with warm water to clean the area. Avoid using hot or cold water, as it might aggravate any exposed nerves. 

3. Control Bleeding 

If you bleed, apply gentle pressure to the area with a clean cloth or gauze. You can also use a cold compress on your jaw or cheek to reduce swelling.

4. Contact Your Dentist

Reach out to your dentist immediately. Explain the situation and try to schedule an emergency appointment. Many dentists reserve slots for urgent cases. If they don’t have a spot available, look at specialty emergency clinics in your area.

5. Get Over-the-Counter Pain Relief

Broken and chipped teeth can hurt, so take some over-the-counter pain relievers to help manage this pain until you can see your dentist. 

6. Check Insurance Coverage

Review your dental insurance policy to understand coverage details. Some policies may cover emergency procedures, while others may have limitations.

7. Discuss Payment Options

If cost is a concern, discuss financing options with your dentist. Some dental offices offer flexible arrangements that give you a break. If you qualify for these plans, you might be able to push out your due date to coincide with your payday. You may even be able to break up your total outstanding amount over several payments. 

8. Take out a Personal Loan

If you’re just shy of what you need to cover your emergency dental expense, consider going online to scope out personal loans. A personal loan may fill in for savings in urgent situations. You can quickly visit a website like MoneyKey to see what you need to apply. If approved, a personal loan gives you the means to pay for your visit upfront and pay off what you owe over time. 

9. Consider Urgent Care Clinics

If your financial situation is such that you can’t afford a personal loan’s payments, reconsider your choice of dentist. Some dental practices apply a sliding scale to their services so that they can provide immediate care at a lower cost for at-risk individuals. 

Next Steps: Thinking About the Future

So, you’ve managed to repair your tooth and pay the bill, too. What’s next? Make sure you hit these three goals soon. They can help you prevent another broken tooth in the future!

  1. Stay on Top of Dental Hygiene: Brush at least twice a day and floss once a day — these simple habits can protect your teeth over time. 
  2. Schedule Regular Checkups: Keeping up with regular cleanings can also help you prevent future dental emergencies. 
  3. Build an Emergency Fund: Sometimes, accidents happen. Consider building an emergency fund specifically for unexpected dental emergencies.
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