What’s most likely to kill you? Check out your odds for National Safety Month


cartoon of a business man hanging on to a rope above swimming sharks

It’s National Safety Month, which is a great time double down on safety both at work and at home. But where to start? One way to think about safety practices and injury prevention is to focus on the types of injuries that are most common and most likely. With the summer approaching, expect that any day now we will start seeing alarming stories about shark danger. While no one wants to get attacked by a shark and it’s certainly good to take precautions, in reality, there’s a greater chance you will die by choking on your lobster roll than by being eaten by a shark. Media attention to sensational stories about crime, disasters and unusual tragedies tend to distort our sense of what the real risks we face actually are.

The National Safety Council puts things in perspective in this short video:

The purpose of insurance is to offer you financial protection from accidental risks and calamities that may befall you. But even when you are properly insured, it’s still in your best interests to try to manage those risks as best you can because insurance may not make you whole – particularly when the risk involves life and limb. We often don’t do a good job of managing our risks. Sometimes, what we fear the most is actually less risky than other common every day occurrences. Human nature being what it is, people often worry more about rare events and can be too casual about dangers that are more pervasive.

Learn the top causes of unintentional injury and death in your homes and communities from the National Safety Council, or see this chart and learn more on Mortality and Risk from the Insurance Information Institute.

Plus, check out one of our most popular past posts: What are the odds? Mortality calculators, where we various tools and calculators that let you assess your mortality. Don’t miss one of the web’s longtime favorite sites, the Internet Death Clock, where you can calculate optimistic or pessimistic estimates of how much time you are likely to live.

Despite the odds, one sad fact remains: None of us get out of here alive, so as the late Warren Zevon advised, “Enjoy every sandwich.” And as long as you are thinking about odds, it might also be a good time to think about taking care of your survivors:

Life Insurance Survey: Most people have too little.

A few other past posts on the topic of risks and dangers

 

Motorcycle Mania: Your spring guide to insurance, safety, training, laws and more


Despite the good news that motorcycle fatalities are trending down in recent years, motorcycle riders still represent a disproportionate share of traffic fatalities. May is Motorcycle Safety Awareness Month, a good time for riders and those who share the road with motorcyclists to double down on safety as we all get ready for the warmer weather and summer road trips. Here’s a guide to important information that you need to be prepared and to ride safely, as well as to comply with licensing, insurance and other legal requirements. .

Motorcycle Laws

If you operate your motorcycle on public roads, you must register it with your appropriate state authority and must be licensed to drive it.

AAA Digest of State Motor Laws – Motorcycles

State-by-State Guide to Motorcycle Laws – helmets, headlights, passengers, noise restrictions and more

III: State Motorcycle Helmet Use Laws (chart form)

State Highway Offices

Motorcycle insurance

Most states require that you carry at least a minimum insurance coverage – Florida, Montana and Washington are exceptions. Those states that do require insurance vary as to coverage requirements; most require a minimum of liability insurance to cover bodily injury and property damage.

Whether required or not, we think it’s pretty risky to go without coverage. Should an accident occur resulting in an injury or property damage, without insurance, you are on the hook. In fact, it is generally worth looking into expanding your coverage beyond the minimum. Options to consider are comprehensive and collision, which would cover other potential losses, such as replacement if your bike were stolen or damaged.. In some states, uninsured/under-insured motorist coverage is required; in others, you may be required to have specific coverage for passengers.

Motorcycle owners sometimes ask if they can cancel insurance in the winter when they aren’t riding but that can be risky and leave you exposed if the bike is stolen. Some insurers offer winter lay-up insurance options.

Talk to your independent insurance agent, who will be able to recommend the best coverage for your local requirements and your particular circumstances. Be sure to ask if there are any discounts that you may qualify for, such as for bundling multiple policies, for being a safe driver, for having participated in training, or any other circumstances.

For more, see the Insurance Information Institute (III): Find the right coverage for your bike

Motorcycle Safety

The Motorcycle Safety Foundation is a valuable resource. It is a not-for-profit resource, internationally recognized for comprehensive, research-based, Rider Education and Training System (RETS), which promotes lifelong-learning for motorcyclists and continuous professional development for certified coaches and trainers. MSF also actively participates in government relations, safety research and public awareness campaigns.

Check for available trainings and download their popular guide, You and Your Motorcycle: Riding Tips. Check out their other guides for three-wheelers, scooters, off-highway riding and more.

III: Background on: Motorcycle crashes

NHTSA: Motorcycle Safety

Choose the right helmet – how to find the right fit for safety

Helmet safety ratings – Make sure your helmet has the DOT symbol on the outside back; this means it meets Federal Motor Vehicle Safety Standard (FMVSS) No. 218.

Motorcycle Industry Council Tire Guide

NHTSA: Safety Issues and Recalls – search by VIN

Additional Resources

How to Prepare your Motorcycle for Spring

Consumer Reports: Motorcycle Buying Guide & Ratings

Motorcycle Club Listings

Boat Safety Week in two words: Wear It!


illustration of people wering life jackets for Safe Boating Week

It’s National Safe Boating Week May 18-24, a good reminder to all boat owners and boat lovers to review boat safety best practices and to take the “Wear It” Life Jacket Pledge. And if your boat represents a serious investment, it’s also a good time to think about insurance.

Why are life jackets important? In 2017, the Coast Guard counted 4,291 accidents that involved 658 deaths, 2,629 injuries and approximately $46 million dollars of damage to property as a result of recreational boating accidents.

Life jackets may not protect you against property damage, but they will help to save lives. But simply having life jackets on board is not enough – accidents happen too fast to access them. Being a good swimmer isn’t enough – an injury or water-logged clothes can interfere with even the strongest swimmer’s abilities. Another big objection is that jackets are too hot, too restrictive, or don’t look “cool,” but new, lightweight jackets are slimmer, cooler and less restrictive. Plus, as for the coolness factor – bicycle helmets didn’t look cool at one time, until they became a sporting fashion statement. Do your part to make life jackets cool.

The U.S. Coast Guard life jacket requirements for recreational vessels:

  • A wearable life jacket for each person must be aboard
  • Life jackets must be U. S. Coast Guard approved
  • Jackets must be proper size for the intended wearer
  • In good and serviceable condition
  • Properly stowed (readily accessible)

The Coast Guard puts out a brochure that talks about the different types of life jackets and how to ensure a good fit.

Before you take put any boats int he water, make sure you know the federal laws as well as any state laws that might apply. The US Coast Guard offers links and resources on boat regulations and laws, including federal and state laws, navigation rules, and more.

Talk to your independent agent about Boating Insurance

Do you need boat insurance? Your homeowners or renters insurance may cover canoes and small sailboats or powerboats, but larger boats require a separate policy. Talk to your independent agent about the coverage you do have and whether it applies to any boats that you have. Typically, liability coverage would need to be added as an endorsement to a homeowners policy. The Insurance Information Institute offers a good overview of boat and watercraft insurance, as well as safety best practices.

 

National Prescription Drug Take Back Day: April 27


Prescription Drug Takeback Day Banner

Do you have expired or unused prescription medicines sitting around in your kitchen or bathroom cabinets? Now you have a safe and anonymous way to dispose of them: National Prescription Drug Take Back Day on April 27.

According to the US Drug Enforcement Agency (DEA), unused or expired prescription drug medications are a public safety issue, leading to potential accidental poisonings, misuse and overdose. Too often, unused prescription drugs find their way into the wrong hands. That’s dangerous and often tragic. Studies show that a majority of abused prescription drugs were obtained from family and friends, often from the home medicine cabinet. That’s why it was great to see thousands of folks from across the country clean out their medicine cabinets and turn in – safely and anonymously – a record amount of prescription drugs. During the last Take Back Day in October 2018, more than 457 tons of medications were turned in at more than 5000 collection sites nationwide for proper disposal.

Proper disposal of unused drugs saves lives and saves the environment!

Use the Collection Site Locator – enter your zip code to find a site near you.

If you or someone you love needs help for a prescription drug problem, find treatment using the treatment services locator.

The DEA offers tips for disposal if no disposal instructions are given on the prescription drug label and no prescription drug take-back program is available in your area:

  • You must not share your prescription drugs – they were prescribed to you.
  • Remove the medicine from its original container and mix it with an undesirable substance, such as used coffee grounds or kitty litter.
  • Place the mixture in a sealable bag, empty bag, or other container to prevent medicine from leaking or breaking out of a garbage bag.
  • Scratch out all identifying information on the prescription label to make it unreadable to protect your identity and the privacy of your personal health information.
  • Do not flush medicines down the sink or toilet unless the prescription drug labeling specifically instructs you to do so, and check with your community’s laws and regulations prior to taking such action.

See more in this PDF tip sheet: How to properly dispose of your unused medicines

Tips for driving safely around large commercial vehicles


Any time you are driving your car on the highway or on your city and town roads, you are navigating a vehicle that weighs about 5,000 pounds, while sharing the road with 12.5 million giant commercial vehicles. A fully loaded bus can weigh 30,000 to 44,000 pounds, according to the American Public Transportation Association. And according to The Truckers’ Report, the legal weight for an eighteen wheeler is 80,000 lbs. Plus, factor in any oversize or overweight permits. The length of time to stop an eighteen wheeler is 40% greater than that of an automobile.

How confident are you about your driving skills? Having a collision with any other vehicle is a serious matter, but the stakes are even higher when it comes to collision with a 30 or 40 ton vehicle! There are no mere fender benders in an accident pitting your car against this weight class.

The Federal Motor Carrier Safety Administration (FMCSA) has issued Our Roads, Our Safety, a national safety campaign shaped to raise awareness about sharing the road safely with large trucks and buses. They offer Tips for Passenger Vehicle Drivers, as well as Tips for Bicyclists and Pedestrians, both of which are worth checking out. We found the infographics that illustrate the driver tip list particularly helpful and have reprinted them below. They offer useful visual guides for blind spots and space considerations when driving around large commercial vehicles.

diagram showing how drivers can stay out of blind spots navigating around trucks

diagram showing how to give trucks extra turning space

diagram showing the stopping distance for large vehicles