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April 2019 Archives

Wearing Your Helmet: It's Worth the Cost

According to the Centers for Disease Control and Prevention, only 48% of children ages 5-14 wear helmets when riding bicycles. Of the over 500,000 annual bicycle injuries requiring emergency room care, more than 26,000 of these are children and adolescents who received traumatic brain injuries from not wearing a helmet. Helmets cannot prevent accidents from happening but they can severely decrease the level of injury when accidents do occur.

Does Your Homeowner's Insurance Cover Trampolines?


Thinking of buying a trampoline this summer? Here's what you need to know about your insurance coverage. Trampoline injuries are extremely common, nearly 100,000 injuries per year on average. The frequency of occurrence and high costs related to these type of injuries have resulted in many insurance companies refusing to cover trampoline injuries. So before you buy, you need to make sure you are covered.
Some policies are general and do not specifically list coverage conditions. Others might have a statement requiring certain safety provisions to cover trampoline use, and many policies deny coverage for trampoline use and injuries outright.

Are pedestrians at a greater risk for injury than drivers?

Many people may think pedestrians are at a lower risk for injury if they decide to walk instead of drive. The risk of getting into a car accident may lead travelers to consider if they are close enough to their destination to make it there and back on foot.

Are Electric Cars Safer Than Gasoline Powered Cars?

We've all seen the movies where a car gets into a collision, rolls a few times and then explodes. In reality, gas tanks are not exploding frequently from collisions. But gasoline is a flammable liquid and in gasoline-powered cars, this fuel is stored in a centrally located tank in rather large quantities. Gasoline-powered cars also put an actual spark to this fuel to run the vehicle.
Electric cars use lithium-ion batteries and the flammable liquid electrolytes found in these batteries are contained in small packages, are not refilled and are not exposed to a spark. But battery packs, if punctured have been known to explode like the Tesla Model S that exploded in 2013.
Evrater.com listed these statistics about fire rates in gasoline-powered cars versus electric vehicles.
"Americans, using gas cars, drive an average of 3 trillion miles every year, during which time there are approximately 150,000 car fires. This equates to one gas car fire for every 20 million miles traveled.
At the time this data was compiled, electric vehicles had driven a total of 638 million miles. During this time there were just 5 electric car fires. This equates to one electric car fire for every 120 million miles or so of travel."
Fires are not the only safety concerns. Mechanical failures also lead to accidents. On the positive side, electric cars have fewer moving parts and therefore fewer parts to be involved in a mechanical failure that might lead to an accident.
Electric cars are also performing well in crash tests. Evrater offers these reasons for the results. "Manufacturers don't need to base the structure of an electric car around a big internal combustion engine. This could play a part in why some EVs react so well in crash tests. EVs also have a much lower centre of gravity, due to battery placement, meaning they're far less likely to rollover."
If you have been considering purchasing an electric car recently, it would appear that you can add increased safety to the positive column of your list. We know that even in the safest of vehicles, accidents do still happen. If you are injured in an accident, we can help. 

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