Traumatic Brain Injuries Headline the News

Football is back in season and the concussion/traumatic brain injury crisis still remains a growing concern for the NFL, its lawyers and players.

An article from the Globe and Mail reveals that according to an actuarial study, 1 in 4 football players will end up with some form of “brain problems” in their lifetime, which can include dementia, Alzheimer’s, Parkinsons or other cognitive impairments. The study used a database of retired football players. The report was released by the NFL’s lawyers, as part of their position on the potential dangers of football.

The report stated that 28% of the overall population and one third of the 5000 football players that are suing the NFL will be diagnosed with cognitive impairment during their lifetime.  The chances of developing these problems were noted to be “materially higher than the general population”, and they would develop at a younger age than would be expected.

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Would You Consider Usage Based Insurance?

Insurance companies are always in competition with each other when it comes to offering the best rates. In recent times, insurance companies like Desjardins and The Co-operators have been offering usage based insurance programs to help drivers reduce their insurance premiums. 

The idea is that the insurance company is in essence, sent data about how you drive. Factors like your average speed, how you stop, reaction time, are taken into consideration and if you are “good driver”, you can receive a discount on your insurance. 

More and more people are willing to consider usage based insurance, according to a recent survey conducted by Towers Watson & Co., which revealed that almost 80% of drivers are open to purchasing a usage based policy, especially if insurers guarantee their rates are not going to increase. 

However, nearly half of consumers are still hesitant about the risk of potential higher premiums that could result from usage-based insurance. Another concern is over privacy. Survey respondents indicated concerns that their insurance companies would be receiving data that would allow them to monitor their driving destinations, but there seemed to be a decline in the number of people that are concerned with privacy concerns compared to the past year and a half. 

Another survey, conducted by LexisNexis Risk Solutions revealed that 68% of consumers worried about their insurance companies obtaining too much information. This percentage is less compared to 2013. As consumers are becoming more familiar with what usage based insurance is, they are more likely to perceive it as useful and relevant. 

As a drivers, should we be concerned with insurance companies using this data against us? Can this data possibly be used to explain how a car accident happened or to track what speed we were driving when an accident occurred? How specific is the data that is recorded? Would this data be admissible as evidence, or be used to prove liability in personal injury cases? These are some questions that people might be asking themselves. For now, what we know is that usage based insurance is meant to offer drivers discounts for driving well. 

If you or someone you know is a victim of a car accident and has sustained any type of injuries, you should consider contacting an experienced personal injury lawyer right away. 

At the law firm of Paciocco & Mellow, we have represented many clients who have sustained serious injuries as a result of car accidents, slip and fall accidents, pedestrian accidents, bicycle accidents and other types of personal injuries. We can help clients with finding the right rehabilitation clinics and help them with their recovery. 

People may not be aware of their rights or obligations and may feel overwhelmed about the legal process. Personal injury litigation is complex and Paciocco & Mellow is a Windsor Personal Injury Firm that has successfully represented many injured persons.  

The law firm of Paciocco & Mellow aims to help provide you with Peace of Mind at a Difficult Time. Contact the Windsor personal injury lawyers at Paciocco & Mellow at (519) 915-SORE (7673). We can provide you with a free, no obligation initial consultation.  

Lower Back Pain Costing You Time and Money

Whether continuing education and working part-time, or working full-time, enthusiasm sometimes overrides focus on performing tasks with long-term health and safety in mind.  Society encourages the “do-er” and people are told they have to pay their dues to earn their way in the job culture.  The reality of today’s economy, many companies in various industries are cutting costs and expecting more from their employees. 

Construction and service industries are some of the most physically demanding jobs a worker can be exposed to on a daily basis.  By and large construction companies do offer health and safety training, particularly those paying contributions to WSIB (Workplace Safety and Insurance Board.). Typically, the training is geared to high-risk tasks – fall arrest, respiratory safety, confined-space safety, WHMIS (Workplace Hazardous Information System,) etc.

One of the most common injuries is lower back pain, contributing to 18% of employee claims, according to WSIB this year.  What is difficult about this issue is a claim that may discover the worker’s injury is in part due to a pre-existing condition.  Though the claim may not be denied, it’s important to understand Ontario is the only province in Canada without a policy dealing with pre-existing conditions.  When someone finds themselves in the unfortunate situation of having suffered this injury at work, it is important to seek the advice of a personal injury specialist in addition to immediate medical attention.  

An aging workforce are some of the most vulnerable people for this type of injury.  The personal injury specialist can advise one on how to circumnavigate all legal avenues where a dispute with an employer over the injury exists.  Fortunately for the worker, consultation with an expert is free, and when a legitimate claim is identified, typically fees are not collected until a successful resolution is concluded.

Where the economy is forcing workers into longer hours with labour-intensive work, fatigue is inherently the risk factor.  Pressures forcing a deadline often lead to ignoring what the body can endure, resulting in repeated strain.  And workers are often at the mercy of their culture… to perform until the job is done. 

Having said lower back injury claims amount to 18%, it is also reported that sprains and strains are the most common injury reported as 40% of claims.  It’s all connected in the body.  When one area of the body is strained, another part of the body will overcompensate.  When the back goes out, it’s excruciatingly painful, and takes a great deal of therapy for even short-term recovery.  Inevitably, it’s a long-term injury and requires very careful management.  Those are key points to remember when trying to assess what the true cost is to an individual. 

The law firm of Paciocco & Mellow aims to help provide you with Peace of Mind at a Difficult Time. Contact the Windsor personal injury lawyers at Paciocco & Mellow at (519) 915-SORE (7673). We can provide you with a free, no obligation initial consultation.