personal injury

Does Your Insurance Policy Cover the Zombie Apocalypse?

by Staff Blogger | October 29th, 2014

Insurance is an important thing to have. It can protect you and your home in the event of a personal injury. However, many people wonder what’s covered under home and life insurance policies. Would damages incurred during the rise of the zombified dead be covered? As Halloween approaches later this week, one company is Clarksville, Tennessee, says the answer is an astounding yes.

According to an article from WKRN 2 News, the company has received numerous calls about zombie insurance after posting a billboard outside their office. They say that zombies aren’t excluded from policies, which means coverage is included. So, what zombie damages would be covered? They say property damages would definitely be included, but life insurance coverage could be tricky for the reanimated.

The idea of insurance coverage for the zombie apocalypse may seem like a joke, but it does highlight one very important thing to remember about your insurance policies—grey areas in coverage that can leave room for disputes.

If you find yourself in a dispute over an injury claim, it may be wise to speak with an attorney about your legal rights. At Ponce Law, we have a team of Nashville personal injury lawyers dedicated to helping accident victims in Middle Tennessee ,and we are here to answer any questions you may have. Fee free to call us anytime—day or night—at (800) 363-9113.

3 Ways to Stay Safe With Bug Repellant This Summer

by Staff Blogger | May 21st, 2014

Summer is just around the corner and with the heat of the season will come those pesky biting bugs. Repellants can be a great way to keep insects like mosquitoes, black flies, and midges at bay, but if you aren’t careful, these products can result in serious personal injury.

Some of the chemicals found in many common bug repellants have been found to be extremely toxic. An article from News Channel 5 Consumer Reports explains that a chemical known as DEET is traditionally used in many bug repellants despite known risks such as blistering, loss of speech control, seizures, and comas. These are just a few reasons experts advise consumers not to use products containing more than 30 percent DEET.

Other products may use a chemical known as metofluthrin to ward off insects; however, the chemical has been linked to adverse effects on the nervous systems of users in the past.

Many bug sprays are highly flammable, presenting users with serious risk of fire and burn injuries if used near an open flame.

In order to keep the public safe from the hazards bug repellants may pose this summer, the Nashville personal injury lawyers with Ponce Law suggest:

  • Using Natural Products– Repellants are available that use natural remedies to keep bugs away, such as citronella and eucalyptus. Parents should refrain from using Eucalyptus products on children under age 3.
  • Setting Up A Fan- If outside, circulating air will prevent insects from lingering in the area and will work to cool you as well.
  • Screening In- Canopies can be set up to keep bugs away and many porches can use fine mesh to create a barrier impenetrable to insects.

 

3 Steps to Take After a Work-Related Injury

by Staff Blogger | April 23rd, 2014

Companies have a responsibility to protect employees’ health and well-being. However, accidents sometimes happen that leave workers suffering personal injuries.

Recently, an explosion at an ammunition manufacturing facility just outside Nashville on April 16 left four workers with varying injuries.

According to an article from The Republic, officials are still unsure of what caused the explosion, but added the incident blew out two walls and the roof of the building, which left four workers requiring treatment for blast injuries.

The incident leaves many workers wondering what they should do if they are injured on the job. The Nashville Workers’ Compensation Lawyers with Ponce Law explain there are three steps an injured worker should take the following steps:

  1. File A Claim- Most businesses are required to carry an insurance policy to cover expenses associated with a work-related injury, such as medical bills and lost wages. So, filing a claim for workers’ compensation benefits with that insurer should be the first course of action considered by an injured worker.
  2. Collect Evidence- Hold on to any documentation that can be gathered regarding expenses you have incurred as a result of your injury. This can include food, fuel, and lodging, among other things.
  3. Speak With An Attorney- The procedures surrounding reaching a settlement in a workers’ compensation claim can be confusing, which is why having quality legal representation by your side is crucial throughout the workers’ compensation process.