Coye Law Personal Injury October 2018

Best in Show or Halloween Hazard? Costume Safety Tips for Kids For many kids, picking out a costume is the best part of Halloween. Will they be a spooky witch, a wildcat, or their favorite superhero? There are so many options! But in all the fun, it can be easy for parents to overlook certain risks that Halloween costumes can pose. Here are important safety tips to remember when choosing the best Halloween costume. everywhere on Halloween night, so make sure your child’s costume isn’t a fire hazard. Most store-bought costumes are made from fire-resistant materials, but you should still check the labels on all costumes, wigs, and accessories. The same goes when you’re buying fabric for homemade costumes. And remember, fire-resistant is not the same as fireproof. While fire-resistant material takes longer to burn and can be put out quickly, it can still catch fire and cause serious injuries. Remind your child to use caution around open flames and avoid costumes with flimsy, hanging components, like flowing sleeves, long skirts, and capes. TEST MAKEUP FIRST. Halloween is a great time to have fun with face paint, and makeup is a good alternative to masks, which can obscure a child’s vision. Nobody wants to be injured in a car accident. If dealing with a serious health issue isn’t bad enough, you have to worry about paying for medical care and treatment. These bills can pile up in a hurry, putting a serious financial strain on your family. Luckily, there are five possible resources that can help pay your bills. Let’s go over those now, along with some of the pitfalls associated with them. Florida Personal Injury Protection/No Fault Benefits • Pays 80 percent of medical expenses and may pay 60 percent of lost wages, up to $10,000 • Covers you regardless of who is at fault in an accident • Pitfall — if you don’t seek medical treatment within 14 days of an accident, the insurance company may not have to pay any of your bills. Health Insurance • Pays for medical care provided you see a doctor within your plan • Has a right to be repaid in the event of a settlement • Pitfall — some doctors do not treat car accident patients. Make sure you work with a doctor who is interested in treating you. LOOK FOR FIRE-RESISTANT COSTUMES. Candles inside jack-o’-lanterns and other open flames are

However, a lot of costume makeup isn’t approved by the Food and Drug Administration. Before letting your child cover their face in makeup from the Halloween store, test their skin for allergic reactions by putting just a little bit on the back of their hand first. PRACTICE PROP SAFETY. What’s a Jedi Knight without her lightsaber or a wizard without his magic wand? The right accessories can really bring a costume together, but it’s important that props — especially weapon props, like swords, knives, or guns — are not mistaken for the real thing. Choose props that are obviously fake, with round edges made from soft, flexible material. And if your child wants to wear their Halloween costume to school or some other event, check the rules on props beforehand to avoid any trouble.

Halloween is a night for ghosts and goblins to come out to play, and with these tips, your kids can safely dress up and join in the fun.

Who Will Pay My Bills After a Car Accident? 5 Possible Resources for Personal Injury Victims

Medical Payments Coverage (Included as part of some motor vehicle policies) • Can pay deductibles and payments for medical care • Has a right to be repaid in the event of a settlement Letters of Protection • Provides medical care and can protect your credit • Requires you and your lawyer to promise payment to a doctor at the conclusion of your case Workers’ Compensation • Can pay for medical care and some lost wages, but the injury must be work-related or have occurred on company time • Has a right to be repaid in the event of a third-party settlement • Pitfall — treatment is limited to authorized physicians, who are almost always selected by your employer or their insurance carrier. All of these resources, along with Medicare and Medicaid, are resources that can help you cover medical expenses in the event of an accident. If you or somebody you love has been injured in a car accident, call our office today at 407-901-9135.

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