Boating Safety

Boating Safety

The temperatures are rising and the days are getting longer. Summer has finally started to arrive here in the northern Illinois area! This season is a great time to get outside and enjoy time with loved ones. For many of us, summer temperatures give us more time to be out on the water. Before you log any more time on your boat this year, be sure you are brushing up on good practices that will keep you, and everyone on the water with you, safe.

Skip the Alcohol

Just like driving a car, choosing to operate a boat while under the influence of alcohol is an unsafe and irresponsible decision. The Coast Guard reports that alcohol is responsible for at least 16% boating fatalities and for half of all boating accidents. Boating Under the Influence (BUI) is a serious offense and applies to all vessels, including kayaks or canoes.

Why the big deal about drinking and boating when many people seem to think the two go hand in hand? Alcohol affects judgment, response time, and other abilities that are crucial to safely operating a boat. Skip the cocktail and choose to boat safely.

Brush Up on Rules of the Water

When you hit the river or lake, you aren’t the only one. Boaters share the water with swimmers, kayakers, and other vessels. It is important to brush up on general rules of the water to be sure you are not inadvertently putting yourself, or others, in danger. We like the BoatUS Foundation’s resources and encourage you to take a look as well.

Beware of Towing

Part of the fun of having a boat is the opportunity to tow a water skier or tuber. However, towing can be extremely dangerous if your driver is not experienced, or if your driver participates in risky behaviors. At MacCloskey, Kesler & Associates, we have taken on tragic cases that involved unsafe towing and unfortunately know the very real consequences of towing more than one tube at a time.

Spending time on your boat, or on friend’s boat, is a hallmark summer experience. However, choose to enjoy the time together safely, and without alcohol.

If you do become involved with a boating accident that results in injury, don’t delay in contacting our team. We have years of experience working with victims of boating accidents and are ready to help you during this difficult time.

Stay safe out there.

The Problem with Gaps in Treatment

The Problem with Gaps in Treatment

When you are injured in a car accident or other unexpected way, it can be difficult to adjust to all the new appointments in your calendar. From follow up physician appointments to x-rays, MRIs to outpatient therapy sessions, your unexpected injury has suddenly taken over a majority of your life. Unfortunately, some people who were unexpectedly injured begin to feel frustrated, overwhelmed, and downright tired of the appointments and sessions that they simply stop going. This “gap in treatment” or full cessation of treatment can not only harm the person’s body but can also negatively affect insurance payment or other compensation.

Why Gaps in Treatment Happen

When someone is hurt in a car accident, they may feel fine initially. Thanks to our body’s response system, endorphins and other chemicals released by the brain when we are hurt or injured can mask pain. There can also be a sense of pride, with people feeling embarrassed to get checked out by emergency responder after a vehicle accident or other unexpected injury. However, once those endorphins go away, pain can quickly arise.

For many people who were injured in a vehicle crash, pain can arrive three to seven days after the injury and continue for weeks, months, or years. Unfortunately, the longer the person goes without seeking medical treatment, the harder it can be to prove the accident was the cause of the injury or condition.

Gaps in treatment can also happen when a patient gets tired of all the follow-up appointments, especially if they feel no relief. In these cases, the patient ends up suffering from chronic pain due to unresolved complications or an incorrect diagnosis. Similarly to someone who doesn’t seek medical treatment immediately, it becomes more difficult to hold the insurance company accountable for injuries when there are lapses in treatment.

What You Should Do

If you are injured in a vehicle accident or other situation, seek medical treatment immediately. Don’t delay. Keep a journal with your symptoms or concerns. Return to your physician as directed and follow discharge instructions. Finally, call the team at MacCloskey Kesler & Associates. We can help you feel less overwhelmed with the process and assure you are getting the compensation you deserve.

Who Pays My Bills While I Am Injured?

Who Pays My Bills While I Am Injured?

For decades, the team at MacCloskey Keser & Associates has been working side-by-side with clients living with injuries caused by other people or entities. We are proud of our work and have the success stories to prove we can advocate for our clients better than any other local or nationwide law firm. However, one of the things are most proud of here is our commitment to building a relationship of trust with every client we serve. We are here to be your lawyer, but we are also here to be your guide through a confusing and emotional time.

When we work with clients, we work to ease their anxieties and calm their fears. For most of our clients, financial concerns are at the top of their list. They are injured and sometimes unable to work, but medical bills and household bills continue to arrive in the mailbox. It is stressful for the person and for their family members. Fortunately, there are some ways you can receive compensation for your bills while your case is being investigated and litigated.

Your Medical Insurance

If you have medical insurance, we will work with you to assure you are receiving compensation through it. Medical insurance works on a reduced payment, but that does not affect the amount you could be rewarded in court. For example, your Blue Cross Blue Shield bill may be for $4,000 but the services could actually total $10,000. You are entitled to the $10,000 dollar amount and not the reduced fee.

Your Medical Payment Provision

Most people carry auto insurance that has a Medical Payment Provision. While the auto accident that injured you may not be your fault, this payment method will help to pay deductibles and tie you over while your claim is being investigated.

Let Us Help

We have other ways to help you stay above water while you are waiting for your insurance compensation. It is important that you enlist our assistance as soon as possible, as insurance companies are more likely to give you a reduced claim amount if you are not working with an attorney. One thing is certain: when you work with us, you are more likely to receive more money in compensation for your accident or incident.

Call us today to tell us more about your situation and your concerns. We are here to help and ready to serve you.

What is a Vaccine Injury?

What is a Vaccine Injury?


Talk of vaccines has likely peppered your social media feed for years. However, you may have noticed even more conversations about vaccines and patient education in the past few months. Social media sites have recently cracked down on certain groups that were passing unverified information as fact. One thing is certain: there is a lot of trepidation and uncertainty about vaccine debates lately.

However, another thing is clear as well: vaccine injuries do happen, and these injuries can be devastating for the person and their families.

This article will not be covering the vaccine-autism discussion. Instead, we will attempt to educate you about the realities of vaccine injury.

What is a vaccine injury?

Doctors give vaccines daily, and without major incident. Vaccines are like other medical interventions in that they are typically helpful and cause minor side effects. Unfortunately, a severe reaction to a vaccine does happen occasionally. These major side effects are considered a vaccine injury.

What are examples of a vaccine injury?

Vaccine injuries vary but are typically quite severe allergic reactions. Examples of vaccine injuries could include anaphylaxis, encephalitis, shoulder injury, chronic arthritis, or heart issues like syncope.

What financial help is available to someone with a vaccine injury?

The Health Resource and Services Administration has a National Vaccine Injury Compensation program in place. This program was started decades ago and strives to give people who were injured due to a vaccine financial assistance. While the program only covers certain vaccines, many of the “routine” vaccines are a part of the program.

If you or a loved one has been harmed due to a vaccine injury, you will need assistance on petitioning the National Vaccine Injury Compensation program. You don’t have to navigate this journey alone. The team at MacCloskey Kesler & Associates have years of experience working with clients just like you. We would be honored to hear your story and advocate on your behalf.

Give us a call today to tell us more about your situation. Together, we will develop a plan to get you the outcome you deserve.

Distracted Driving Dangers

Distracted Driving Dangers

When you jump in your car to head home from a busy day at work, have you ever texted your family to know you are on your way home? Or, perhaps you have noticed the driver in the car next to you checking their phone while at a stoplight. For most of us, even the most cautious drivers, witnessing (or participating) in distracted driving can feel like a normal part of driving.

Unfortunately, distracted driving is a serious public health issue. The National Highway Traffic Safety Administration reports more than 3,000 deaths were caused by distracted driving in the course of one year. Here’s what you need to know about distracted driving and how you can play a role in keeping the roadways safer.

What is Distracted Driving?

Distracted driving is operating a vehicle while paying attention to something else. Texting while driving, talking on the phone, checking your email or scrolling through your social media newsfeed while driving (or while stopped at a stoplight) are all examples of distracted driving. While distracted driving has increased thanks to portable technology like smartphones, it has always been around. Distracted driving can also be putting on your makeup while on the way to work or turning around to scold your child in the backseat.

How Can I Stop?
There are legal implications if you are caught talking on your phone or operating your phone while driving. However, this intervention does not always keep drivers from checking their phone while on the move. You can make a positive step in the right direction by committing to eliminating distracted driving from your regular routine.

You can remind yourself about your commitment by keeping your phone in your purse and in the backseat while driving or by disabling app notifications while driving to keep you from being tempted. Your example is especially important if you have kids in the car, as these future drivers will look to you as they learn what is (and is not) acceptable in the vehicle.

Distracted driving can have fatal consequences. Put your cell phone away and teach your kids to do the same.

If you have been involved in a vehicle accident, give the team at MacCloskey Kesler & Associates a call. We will hear your story and develop a plan to get you the compensation you deserve.

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