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Auto Insurance for Delivery Drivers

With the majority of the country on lockdown to slow the spread of the coronavirus, many Americans have lost their jobs and are looking for other ways to make an income. Because restaurants can only offer to-go options right now, food delivery services such as Favor and Uber Eats are booming. Many are taking on these jobs to make some extra cash, but might not know that they need to upgrade their insurance plan to accommodate commercial business if they are driving their own car.

Since food delivery is technically a business use of your vehicle, not personal use, insurance companies might require you to purchase a commercial auto insurance policy. The insurance company will charge more for this policy because they believe you are more likely to get into an accident as a delivery driver or taxi driver, probably because you will likely be on the road much more often than for personal use.

If you plan on taking a job as a food delivery person, you will need to notify your insurance company and ask about the possible consequences of not upgrading your policy. Sticking with your regular personal policy might come back to bite you later if you get into an accident during a delivery and file a claim.

However, some auto insurance companies have already made changes to their policies to accommodate these uncertain and sometimes confusing times. For example, Allstate automatically granted each of their policyholders special coverage for delivering items such as medicine, meal delivery, grocery delivery, etc., through the end of April. In that case, Allstate customers will not need to upgrade their policy to commercial status. Farmers Insurance has enacted a similar extension of their coverage through April 30th, as well.

According to an article by The Rideshare Guy, many food delivery companies like Uber Eats and Domino’s Pizza have their own insurance policies, so their hired drivers don’t need to buy their own commercial policies. However, certain companies’ insurance plans do not extend to drivers in the state of New York, and they will be responsible for purchasing their own commercial policies. Amazon Flex and Uber Eats specifically do not cover New York drivers. GrubHub, Instacart, and Walmart also do not provide company coverage for their drivers.

Contact a New York Car Accident Lawyer

If you got into a car accident while delivering food or using your car in a commercial capacity, you might need help navigating your insurance claim. The attorneys at Hach & Rose, LLP are ready to stand up for you and help you get the compensation you’re owed. Call our office at (212) 779-0057 to discuss your legal options today.


The dangers of driving while drowsy

According to a 2016 study by the AAA Foundation for Traffic Safety, car crashes caused by drowsy drivers are eight times higher than the previously accepted national estimate. AAA conducted the study by analyzing dashcam footage of 700 average American drivers. Drowsy driving tends to be an underreported cause of car accidents because it can be hard to document and to prove.

Jake Nelson, the director of Traffic Safety Advocacy and Research for AAA, said, “Missing just two to three hours of sleep can more than quadruple your risk for a crash, which is the equivalent of driving drunk.” A AAA Foundation survey found that nearly 29% of American drivers recently drove while they were almost too tired to keep their eyes open.

Being aware of the fact that you’re overly tired and can’t keep your eyes open is an important factor in keeping yourself and others safe on the road. If you notice that you keep drifting from your lane or can’t remember the last few miles you have driven, you should pull over and at least take a 20-minute nap. AAA experts say that short-term remedies for sleepiness, like chugging coffee or singing with the windows down, won’t outsmart your body’s need for sleep.

Still, AAA recommends that drivers always get the recommended 7-8 hours of sleep before getting in the driver’s seat, especially if they have a long trip ahead of them. To avoid driving while drowsy, drivers should try to drive during a time of the day that they’re usually alert and avoid eating heavy foods before the drive.

If you are prescribed a medication that makes you drowsy, talk to your doctor about the best times to take it, or ask if you can take it before bed. AAA also developed Roadwise Rx, which can help you determine whether your medication might affect your safety behind the wheel.

Contact a New York Drowsy Driving Accident Lawyer

If you were injured because of a drowsy driver, you might be entitled to compensation. The New York car accident lawyers of Hach & Rose, LLP will be ready to get you the fair compensation you deserve. Call us at (212) 779-0057 or reach out online to discuss your rights and legal options today.


Neck and back injuries commonly suffered in car accidents

The back and the neck are the two parts of the body that are most commonly injured in car accidents. Unfortunately, damage to these areas can result in severe trauma to the spinal cord, sometimes leaving the victim with long-lasting health problems. According to an article from Chirotrust, between 40-70% of whiplash victims continue experiencing symptoms of trauma even a decade after the accident.

Whiplash

When the head and the trunk of your body move forcefully in opposite directions, this sometimes results in whiplash. It is extremely common in rear-end car accidents when the body is unexpectedly jolted forward but the head snaps back. The neck, caught between these two oppositely moving parts, experiences extreme stress and is subject to injury. Additionally, when your head is jolted like this, your brain might collide with your skull, causing contusions or a TBI.

Lumbar sprains

When ligaments are torn from their attachments in the lower back, this results in lumbar sprains. Lumbar sprains and strains are the most common cause of chronic back pain because the lower back aids in moving, bending, stretching, and twisting, and often occur because of overuse. But when the lower back is impacted during a car accident, a lumbar sprain can occur instantaneously, according to the American Association of Neurological Surgeons. A doctor may prescribe pain medication and physical therapy to treat the sprain.

Herniated discs

Discs are like soft cushions between the bones that form the spinal cord. They act as shock absorbers for your back and are encased in a hardened outer layer called the annulus. When the inner disc pushes out of its hardened outside and into the spinal canal, this is considered a herniated disc. Herniated discs can cause severe pain because they press on spinal nerves and can be caused by a single severe strain on the back.

Contact a New York car accident lawyer

If you suffered neck or back injuries following a car accident, you might be entitled to compensation for the harm you’ve suffered. The attorneys at Hach & Rose, LLP are ready to stand up for you and help you get the justice you’re owed. Call our office at (212) 779-0057 to discuss your legal options today.


What constitutes reckless driving in New York?

According to New York State law, reckless driving is defined as using a motor vehicle in a manner which unreasonably interferes with the proper use of the public roadways or endangers other drivers. Reckless driving is a misdemeanor and carries a $300 fine and 30 days in jail time for a first offense. The penalties of driving recklessly with a commercial driver’s license are even more severe and may result in the license being revoked.

But what exactly counts as reckless driving? What should you do if you were hurt because of someone else’s reckless driving? This article will give you the basic information you need to know about this New York traffic violation.

The following is a list of actions that may constitute reckless driving:

  • Weaving in and out of lanes
  • Speeding far above the limit
  • Making a quick turn with no signal
  • Abruptly braking with no reasonable cause
  • Wrong-way driving down a one-way street
  • Failing to stop or yield when prompted
  • Distracted driving
  • Road rage
  • Racing other vehicles
  • Attempting to evade police vehicles
  • Driving without care for weather conditions
  • Driving on the shoulder
  • Making abrupt lane changes

If you are considering taking legal action because you were the victim of reckless driving, know that the state of New York has a statute of limitations of three years for injuries caused by car accidents. There are some variations to this rule, depending on when the accident happened and when your injury manifested, or if you end up filing a wrongful death suit. An attorney can clarify any questions you may have.

Contact a New York reckless driving lawyer

If you were injured because of someone’s reckless driving, you might be qualified to win compensation. Compensation could cover medical bills and other expenses associated with your injury. The legal team at Hach & Rose, LLP is ready to help you build and win your case. Call our office at (347) 318-9604 or reach out online to schedule your free consultation.


New York City’s 12 most dangerous spots for pedestrians and cyclists

A report by localize.city, a website that analyzes street safety to give buyers and renters the full picture before they move, found that at least a dozen areas across the five New York City boroughs are significantly more dangerous. Alarmingly, in these 12 areas, pedestrians and cyclists are three times more likely to face injury or death from getting struck by a vehicle.

On average, these intersections saw about 238 crashes in the past five years involving cyclists and pedestrians, compared to the city’s average of 75. The researchers found that intersections under bridges or elevated tracks were significantly more dangerous than other streets.

  1. The area around the bridge in the south side of Williamsburg
  2. The intersection of Myrtle Avenue and Wyckoff Street in Ridgewood
  3. The border between University Heights and Fordham around Jerome Avenue
  4. The area between Atlantic Avenue and Willoughby Street
  5. The area between Pacific and Fulton streets, from Bedford to Brooklyn avenues
  6. Lower East Side/Little Italy/Soho: concentrated around Delancey/Kenmare Street
  7. Corona: general boundaries between 35th and Roosevelt Avenues, from 94th to 108th streets
  8. Jackson Heights: general boundaries between 37th Avenue and Broadway, from 76th Street to 84th Street/Whitney Avenue
  9. Flushing: general boundaries between College Point Avenue and Parsons Boulevard, from 37th to Franklin avenues
  10. Jamaica: general boundaries between 89th to 90th avenues, from 164th Street to 168th Place
  11. St. George/Tompkinsville: general boundaries from Jersey to Bay streets, between Victory Boulevard to Fort Place/Taft Avenue
  12. Stapleton: general boundaries between Bay and Van Duzer streets, from Wright to Tompkins streets

The heavy concentration of vehicles on New York City’s streets combined with the low visibility in areas directly under or around bridges can spell disaster for people trying to cross the street, either by foot or by bicycle. Take extra precautions in these areas of the city and call an attorney if you have been injured.

Contact a New York personal injury attorney

If you have been injured as a pedestrian or cyclist in New York, Hach & Rose, LLP can help you get justice and fair compensation. Our team has years of experience handling these types of cases and wants to help you win the compensation you deserve. Call our office at (347) 318-9604 or reach out online to discuss your legal options today.


What you need to know about airbag injuries

Often, when thinking about potential car accidents, people think of the injuries that might be caused by the other driver. But what about the injuries that you could sustain from parts of your own car? Airbag injuries are extremely common during car accidents, even though they are supposed to keep drivers safe. This is because some airbags are defective and may malfunction once deployed, and end up doing more harm than good to the driver. 

Research published by the American Medical Association found that “individuals using airbags and seat belts sustained facial injuries at a rate of 1 in 449, compared with a rate of 1 in 40 for individuals who did not use seat belts or airbags.” This shocking statistic proves that while airbags can save lives, they can also cause significant injuries to drivers’ heads and necks. 

Common airbag injuries

Some commonly-reported airbag injuries include:

  • Scrapes and lacerations to the arms, chest, face, and neck
  • Eye injuries
  • Bruising of arms, knees, and organs
  • Asthma attacks, coughing and throat irritations
  • Burns on the hands, arms, and chest

Serious airbag injuries

Some more severe injuries could include:

  • Spine fractures and sprains 
  • Fractured skull, ribs, facial bones, and wrists
  • Traumatic brain injuries including concussion and brain contusion
  • Lesions on the liver, spleen, heart, and lungs
  • Hearing loss and other trauma to the ear

Who is liable?

The key to winning an airbag injury claim is proving that the airbag was defective or that it was designed in a way that made it unreasonably dangerous, and the manufacturer did not give drivers adequate warning. The odds of winning a personal injury case simply because you were injured because of a deployed airbag are slim. Fault on the part of the airbag manufacturer, automobile manufacturer, or an auto inspector must be proven to win compensation. Your personal injury lawyer can help you build a case. 

Contact a New York Airbag Injury Lawyer

If you have been injured by a defective airbag, please consider reaching out to our team at Hach & Rose, LLP for help. Our team of defective product attorneys has over 100 combined years of experience dealing with product defects (including airbag injuries), and we want to help you get the compensation you deserve. Call our office at (347) 318-9604 to discuss your legal options today.


Motorcycle lane splitting in New York

The risks involved in riding a motorcycle instead of driving a car sometimes attract motorcyclists to their choice of vehicle in the first place. Motorcycles are inherently more dangerous than cars because they leave the rider fully exposed to the cars and hazards around them. Even helmets and thick leather jackets can’t always protect a motorcyclist from a tragic accident.

One risky behavior many motorcyclists engage in is lane splitting. Lane splitting happens when the motorcyclist rides between two lanes of traffic, usually when the cars are slowed or stopped due to traffic. The law varies state to state, but in New York, lane splitting is illegal. It is important to be aware of this law because if an accident occurs while the motorcycle rider is lane splitting, the motorcyclist is likely to be held liable.

Why lane-splitting puts drivers and motorcyclists at risk

  • Traffic in New York City is especially heavy, fast-moving, and aggressive
  • A car may change lanes unexpectedly and without checking for a motorcyclist
  • New York City lanes are typically too narrow to lane split safely
  • The driver of a car may open their door suddenly if traffic is stopped, hitting or posing an unexpected obstacle to a motorcyclist
  • Many motorcyclists lane split at speeds too fast to be deemed safe
  • Motorcycles can be difficult to spot on the road, especially by the drivers of 18-wheelers, pickup trucks, and other large vehicles

Who is liable in a lane-splitting accident?

If an accident occurs while a motorcyclist is lane splitting, the odds are that the motorcyclist will be held liable since it is illegal in New York. However, if your lawyer can prove that the driver of the car was at least somewhat responsible for the crash, they could win you some compensation to help pay for your medical bills.

What to do if lane-splitting causes an accident

If you have been injured because of lane splitting, whether you were driving a car or riding a motorcycle, call the New York motorcycle accident attorneys at Hach & Rose, LLP. Our lawyers have years of experience handling vehicle accidents and we want to help win you the compensation you deserve. Call our office at (212) 779-0057 to discuss your legal options today.


The Three Types of Distracted Driving

In the United States, distracted driving has become one of the leading causes of car accidents. According to a study from the National Highway Traffic Safety Administration (NHTSA), “nine percent of fatal crashes in 2016 were reported as distraction-affected crashes.” Almost 3.5 thousand people were killed in these fatal crashes, with nearly 600 of them being nonoccupants, such as pedestrians and bicyclists.

There is more than one way to be a distracted driver. In a recent report from the Centers for Disease Control and Prevention (CDC), researchers have concluded that there are three main types of driver distractions: 

  • Visual Distraction – Visual distractions occur when drivers take their eyes off the road. A driver could become visually distracted by answering a text message, taking a phone call, talking to another occupant, or even changing a song on the radio station.
  • Manual Distraction – Manual distractions occur when drivers take their hands off the steering wheel. A driver could become manually distracted by answering a text message, eating while driving, or even trying to calm down a fussy child.
  • Cognitive Distraction – Cognitive distractions occur when drivers take their minds off the road. A driver could become visually distracted by answering a text message, by not getting enough rest to remain focused, or by becoming upset.

If you were paying attention, you may have noticed that “answering a text message” appeared under all three types of distracted driving. This is because texting while driving combines all three types of distractions — making it one of the most deadly things a driver can do behind the wheel. In fact, it’s become such an epidemic that policy-makers have developed laws specifically designed to reduce the growing significance of texting-and-driving.

To reduce your risk of being involved in a car accident because of distracted driving, it’s always important to remain focused on the road, and on getting to your destination safely.

Hurt in a Distracted Driving Accident? Contact Hach & Rose, LLP for Help

Distracted driving is negligent driving. If you’ve been hurt in a crash with a driver who was distracted, you have the right to seek compensation for your injuries, damage to your property, and expenses associated with the accident. Contact a New York injury attorney to discuss your rights by calling (212) 779-0057 today.


Vehicle Rollovers: What Are the Risk Factors?

Because vehicle rollovers have a higher fatality rate than other types of car accidents, they are considered to be especially dangerous. Even though rollover crashes only account for about 2.1 percent of all vehicle accidents, they are responsible for almost 35 percent of traffic fatalities, according to a recent report from the National Highway Traffic Administration (NHTSA). When does a vehicle rollover take place? Primarily, a rollover occurs when a motor vehicle is tipped — or “rolled” — over onto its side or roof.

There are two types of rollover crashes, including “tripped” and “untripped.”

  • Tripped – Tripped rollovers result from a high-energy impact with an external force like another vehicle, a truck, or even a curb.
  • Untripped – According to a 2012 study from the University of Minnesota, these types of rollovers result from a combination of “steering input, speed, and friction with the ground.”

By educating yourself on the possible causes of vehicle rollovers, you can reduce your chances of suffering the physical, financial, and emotional impact of a severe car accident. Some of the most common risk factors involved in rollovers include:

  • Type of Vehicle – While almost every type of vehicle has the potential to roll over; some are more at-risk than others. High-risk vehicles tend to be taller and narrower with high centers of gravity. Some examples of high-risk vehicles include pickup trucks, SUVs, and buses.
  • Speed – According to the NHTSA, excessive speeding is common with rollover crashes. In fact, “Some 40 percent of fatal rollover crashes involved excessive speeding,” states the NHTSA.
  • Intoxication – It is illegal to drive intoxicated in all fifty states. It is unlawful because alcohol significantly impairs a driver’s judgment, muscle coordination, focus, and more. According to the NHTSA, “nearly half of all fatal rollover crashes involve alcohol.”
  • Rural Roads – Rural roads tend to lack road divides and guardrails, making it difficult for drivers to regain control of their vehicles in a high-risk situation. Almost 75 percent of fatal rollovers take place on rural roads.
  • Driver Behavior – Distracted driving is one of the leading causes of fatal rollover crashes. Often, these crashes only involve a single car — the car that rolls over. Studies have concluded that driver behavior is a potential cause for approximately 85 percent of fatal rollover crashes.

Contact a Rollover Attorney in New York

Were you hurt in a rollover accident caused by a negligent driver, or did your accident happen due to a defectively designed or manufactured vehicle? If so, you have the right to take legal action against those responsible, and the New York rollover accident attorneys will be ready to help fight for the fair compensation you’re owed. Call us at (212) 779-0057 or reach out online today.


Young Drivers Are at Higher Risk of Car Accidents, Statistics Show

Because young drivers have less experience on the road, they are significantly more likely to be involved in a serious car accident. According to a report from the Centers for Disease Control and Prevention (CDC), “The risk of motor vehicle crashes is higher among teens aged 16 to 19 than among any other age group.”

Vehicle collisions are the most common cause of death for teenagers within the United States. In 2017, researchers estimated that roughly 300 thousand teens were injured due to collisions, and almost 2,400 were killed.

Which teens are the most at-risk for being involved in a serious collision?  

  • Teenage boys – according to a 2017 CDC report, the fatality rate for male drivers from 16 to 19 years of age was more than two times higher than the fatality rate for female drivers in the same age group.
  • Teenagers traveling with other teenagers – operating a vehicle is a task that requires the full attention of the driver. When inexperienced drivers are distracted by their passengers, the risk of being involved in a fatal car accident increase greatly.
  • Newly-licensed teenage drivers – within the first few months of licensure, the risk of being involved in a collision is extremely high. This is why parents should discourage their teenagers from traveling over long, complicated routes immediately after they receive their license.

Teenage drivers need lots of guidance and practice before becoming experienced enough to travel with security in mind. By thoroughly educating your child on safe driving techniques, you can help them reduce their risk of being involved in a fatal car accident.  

Contact a New York Teen Driving Crash Attorney 

If you or someone you love has been hurt in an accident caused by an inexperienced and improperly supervised driver, you should not have to pay for the harm you’ve suffered and losses you’ve incurred. It is possible that the teen driver should not have been out on the road on their own, should have been properly supervised, or should otherwise not have been behind the wheel when they hit you. If this has happened to you, be sure to reach out to our skilled New York car accident lawyers right away at (212) 779-0057 to schedule a free, confidential consultation to discuss your rights. 

 

 

 


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