Monthly Archives: February 2018

Distracted Driving Statisticsyou could

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E.S.T.I.R. Inc., serving Newark, NJ and the surrounding area, offers various commercial, home and auto insurance policies. Unfortunately, we see firsthand the devastation distracted driving has on people’s lives. And shockingly, people just don’t seem to learn the dangers of taking your mind off of driving for even a few seconds, as indicated by the high number of distracted driving instances. 

About Distracted Driving

Distracted driving includes any activity that takes your mind off of driving such as texting, talking on the phone, drinking, eating, talking to your passengers or using your entertainment system, among other activities. Texting is considered the most concerning distraction. A text may only take five seconds to send, but in that small window of time, it’s possible to cause a collision. Let’s say you were traveling 55 miles per hour while texting. In that five seconds it took to send a text, you could have driven the length of an entire football field, making texting while driving equivalent to driving this entire distance with your eyes closed. What’s even more shocking is that approximately 660,000 people are using cell phones while driving. 

Statistics

According to the National Highway Traffic Safety Administration (NHTSA), distracted driving claimed 3,477 lives while 391,000 were injured in 2015 alone. The NHTSA deemed distracted driving as a huge concern, especially for teenagers who are already at a disadvantage because they’re inexperienced drivers. In fact, drivers who are under the age of 20 are the ones involved in the highest percentage of distracted driver fatal crashes. In the United States alone, about nine people are killed and 1,000 injured in accidents involving a distracted driver, as noted by the Centers for Disease Control and Prevention. 

We advise always keeping your eyes, mind, and hands on driving. And another important safe driving tip is to always have auto insurance. Contact E.S.T.I.R. Inc., serving Newark, NJ and the surrounding area, by calling 973-481-5300 to get a quote.

Workers’ Compensation Coverage in Newark, NJ

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Accidents are a facet of daily life. They can happen anywhere, including the workplace. Sometimes, employees get injured as a result of these accidents. Who is to blame for the injury? If the injury is work-related the employer will most likely be at fault. And paying workers’ compensation can be expensive for a company. That’s why holding workers’ compensation insurance is a necessity for employers. With workers’ compensation insurance, the employee will be compensated no matter who was at fault.

Requirements

In fact, it’s mandatory in New Jersey for employers to hold commercial workers’ compensation insurance. This mandate protects the employer and the employee. The employer is protected because they won’t have to pay medical and other benefits out-of-pocket. The employee is protected because they don’t have to go through a lengthy court proceeding. The employee will be compensated in a timely manner.

Employees or other individuals are encouraged to report employers that don’t hold workers’ compensation insurance. It’s illegal in New Jersey for a business, with employees, to operate without this coverage. A concerned party may contact the Office of Special Compensation Funds for more information.

An injured employee should report their accident as soon as possible. After an injury is reported, the employer should advise their insurance provider immediately. The insurance provider will determine if the injury is compensable. If so, the insurance provider will begin coordinating the compensation.

Contact Us

We at E.S.T.I.R. Inc. are happy to have been serving the greater Newark, NJ area for 23 years. Our agents offer workers’ compensation insurance and can answer any questions you may have. We have two offices located conveniently located in Newark, NJ and Princeton, NJ. Contacted E.S.T.I.R. Inc. today to learn more about how we can assist in protecting your business.