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Archive for June, 2009

Young Florida Equestrians Must Now Wear Helmets

Tuesday, June 16th, 2009

“Nicole’s Law” is named for a young girl, Nicole Hornstein, who lost her life as the result of a terrible accident.  She fell from a horse but was not wearing a helmet at the time.  She suffered a severe head injury and died at the tender age of 12.

The loss of this young life was impetus behind the law.  Her father, Gary, made frequent trips to Tallahassee to work with the Florida Senators in getting this bill passed.

This new helmet law is patterned after the bicycle helmet law for youth and requires any child age 16 and under to wear a helmet when they are on a horse on public roads and rights of way as well as when they are taking riding lessons. The fine for anyone allowing a child to ride a horse without a helmet is $500.00. 

The Equestrian Medical Safety Association is a strong supporter of helmets for all riders:

Head injuries account for approximately 60% of deaths resulting from equestrian accidents. Properly fitted ASTM/SEI certified helmets can prevent death and reduce the severity of head injuries sustained while riding.

Backyard Trampolines – Summer Fun or Huge Liability?

Monday, June 15th, 2009

As I take my daily walk, I see several trampolines in my neighbor’s yards.  It makes me wonder:  did they contact their insurance company before they bought it?  If not, do they know that they may have no liability coverage if the trampoline is forbidden under their homeowner’s insurance policy? 

According to InsuranceSalesman.com

The insurance policies that will cover trampolines usually insist on stringent safety measures, like a safety net, or a fence that is at least 4 feet high. This is still no guarantee that you will find a policy to cover you; these things can vary from state to state. If you owned a trampoline before you bought your policy, or if you did not inform the insurance company of its existence, don’t be surprised if you get an unscheduled inspection and are asked to remove it.

The Consumer Products Safety Commission (CPSC) reports that in 2001 there were almost 92,000 emergency room visits due to injuries sustained on a trampoline.  As would be expected, approximately 93% were under the age of 15, and 11% were under the age of 5. 

The American Association of Pediatrics (AAP) is of the opinion that trampolines should not be used in backyards at all.   The AAP stresses -

Adult supervision will not adequately prevent injuries on home trampolines. Trampolines should be used only in supervised training programs for gymnastics, diving, or other competitive sports.

If you follow the recommendations of the AAP, you should never buy your kids a trampoline.  The risk of injury and possible insurance difficulties does not warrant the few hours of enjoyment the kids might have.

You should also not let them visit friends or neighbors who have a trampoline.  If your child gets injured on your neighbor’s trampoline, there may be no insurance to cover them except your own. 

Tire Manufacturers Promote Tire Safety

Thursday, June 11th, 2009

Tire manufacturers use this second week in June to promote tire safety with National Tire Safety Week.  The industry is getting the word out that proper tire inflation is critical in preventing auto accidents , particularly vehicle roll-overs.

Now I doubt that you will find a greeting card promoting it National Tire Safety Week, but what you should find is a brochure called “Be Smart, Play Your PART” at your local tire retailer.  PART stands for pressure, alignment, rotation and tread – the four tests that should be performed on your car tires regularly.  If you can’t get to a retailer, the brochure can be downloaded for free at:

https://www.rma.org/publications/consumer_tire_information/index.cfm?PublicationID=11173&CFID=24542941&CFTOKEN=20896828

The National Highway Traffic Safety Commission says that low tire pressure and overloaded vehicles are the number one cause of tire failure and a blow-out on the interstate at high speeds can result in tragedy.  So before you pile the kids, the dog and all the camping gear into the car for that summer vacation,  please insure your family’s safety by having your tires checked at your local tire dealer.