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Workplace injuries are a sad fact of life. Even in industries or positions that carry no inherent danger, you never know when an accident will occur or if conditions will place you at risk of a work-related illness. In most states in the U.S., business owners carry workers' compensation insurance to cover medical bills and other expenses related to workplace accidents.

Texas is a rare exception in that it is the only state that does not require its employers to offer workers' compensation coverage. When you accepted the position at your job, your employer should have informed you whether he or she carries workers' compensation insurance. If your employer is a non-subscriber, you may wonder about your options when you get hurt on the job.

What should I do if I get hurt?

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Most newer vehicles have the ability to connect to people's phones so that they can use them hands-free while driving without having to take eyes off the road and hand's off the wheel. It is supposed to help reduce distracted driving accidents specifically related to cellphone use. The truth is, hands-free devices are not a distracted driving cure-all. In fact, this technology comes with its own issues that also cause distracted driving.

Hands-on cellphone use for texting and talking while driving or stopped in traffic is illegal in the state of Texas. However, several cities have hands-free device laws in place to allow that you to use this feature within city limits.

Allowing drivers to use hands-free technology may have had some effect on the number of cellphone-related auto accidents, but not as strong as an effect as lawmakers would have hoped. Why? Cognitive distractions still affect people utilizing their phones even in a hands-free way.

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When a driver is doing anything other than keeping his or her eyes on the road, it is distracted driving. When you think about distracted driving, you may think about someone texting or reading an email, but those are not the only things that can take a driver's attention. One of the most common and most dangerous types of distracted driving in Texas does not involve using a phone at all.

Eating while driving may not seem dangerous. In fact, most people have probably gone through a drive-thru to grab coffee and a pastry before work or picked up a burger to eat on the way home. Eating on-the-go is part of the American culture, yet the convenience may not be worth the risk. Eating while driving is a type of distracted driving, and it is quite dangerous.

Understanding the dangers

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Let's be honest. Teenagers lack the experience to safely multitask while driving. For this reason, their parents often warn them not to use their cell phones, eat or do anything other than drive and pay attention to the road when they drive.

The question is whether Texas parents warn their teens about the dangers of having passengers their age in the vehicle. Did you know that with one peer passenger in the vehicle, the risk of an accident doubles? If a teenager has two or more peers along for the ride, the risk triples — and this is without adding any additional distractions.

Teens may not always follow the rules

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You may have a number of concerns while on the road or while your loved ones are on the road. You certainly want to stay safe and never want to learn that a loved one has suffered injuries in an accident. Of course, you likely also know that a choice made by another person could easily result in a crash that has life-altering consequences.

In particular, a person making the decision to drink and drive could result in you or a loved one suffering serious or even fatal injuries. These dangerous drivers plague Texas roadways, and unfortunately, the odds are high that you or a family member will share the road with a drunk driver at some point.

Signs of a drunk driver

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