Most car accidents and crashes are caused by irresponsible drivers. Most irresponsible drivers refuse or fail to maintain adequate insurance coverage to cover the harms and losses they cause by driving negligently. Thus, it is important to be aware what you have to do in order to make a claim for UM/UIM benefits.
A loading dock is a chaotic, dangerous place. On a typical work shift, dozens of semi-trucks come and go, various kinds of material-handling equipment move freight across the floor, and large numbers of employees work in and around the dock. To stay safe, you have to be acutely aware of your own actions, as well as the actions of others. Even then, you may be injured. You can fall off the dock, be run over by a truck, be pinned or crushed between a truck and the loading dock, or injure yourself while loading or unloading materials. Loading dock injuries run the gamut, from sprains and fractures, to amputations and crushing's to death.
If you are eligible for Medicare benefits, or soon will be, you have additional considerations when deciding whether to settle a workers' compensation or personal injury claim. In some cases, Medicare will require a sum of money to be set aside to cover your future medical expenses resulting from a work-related injury or a non-work-related injury that resulted from someone's negligence. (Currently, there is no requirement for a set-aside in negligence cases, but that is another discussion for another day.)