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Roads can be positively deadly in the wintertime. According to icyroadsafety.com, there were an average of 467 fatalities per year between 2008 and 2010 due to icy roads alone. And, even if you live in warmer climates, winter driving can be a wild and wooly experience regardless.
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In the New York, the holidays are a special time of year for so many reasons. They may be spiritually significant, or bring us closer to our friends and families. They are a time of giving, gathering, and sharing good food. For children, they may be a chance to receive some longed-for gifts. Despite all the magic that characterizes the holidays, they are not free from accidents. In fact, the holidays are one of the most dangerous times of year, when household accidents and injuries abound. Here are the ten most common holiday mishaps, and tips for avoiding them.
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Before winter strikes in New York, most of us tuck away our summer clothes and bring out the sweaters, coats, and scarves that will keep our bodies cozy when there's a chill in the air. But how many of us take similar steps to prepare our homes for winter weather? Readying your home for winter, also known as "winterizing," will not only help you and your family to stay snug and warm while saving money on energy bills, but it may also protect your home from damage that can lead to costly repairs.
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The heat and humidity that tend to lurk around in the summer months around New York create the perfect recipe for thunderstorms. Occurring either late in the afternoon after big black clouds slowly build up and rumble or springing up out of nowhere, they often come with high winds and heavy rains.
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Has this ever happened to you? You turn on the gas to your grill, try to light it and nothing happens. A few seconds pass, you keep hitting the ignite switch and finally it lights with force, due to all of the gas that's been slowly leaking out. Most of the time the little blast does no harm, but serves as a gentle reminder that it could have been worse.
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Reality television has a way of glamorizing good, old fashioned outdoor work, with shows like "Extreme Loggers," "Deadliest Catch" and "Dirty Jobs." And although it can be hard to tear yourself away from these shows, we have to admit that part of the intrigue is the extreme dangers these people face every day on the job, especially compared to those of us sitting at a desk.
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August marks the beginning of back to school shopping and the last full month of summer. And with fall peeking its head over the horizon, bringing with it the start of cold and flu season, it makes sense that August also marks National Immunization Awareness Month.
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In these cost-conscious days, everyone is trying to save money wherever and whenever they can. It seems that people may especially look to their insurance policies as a place to realize some savings.
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If you have a domestic employee, such as a gardener, housekeeper, or nanny, who drives his or her own auto while working for you, there is a potential for you to incur liability arising from their driving that would not be adequately insured. If your employee negligently causes an accident, you as the employer can be drawn into the lawsuit and held liable. Your employee’s own insurance, if any, will protect you up to its policy limits, but you are on your own after that. And your personal auto policy may not respond to cover the difference. The courts have ruled in different ways on these types of loss situations.
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