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Home » Legal Articles » School Bus Accidents Can Be Prevented By Safety Training And Parking Lot Design

School Bus Accidents Can Be Prevented by Safety Training and Parking Lot Design

According to the National Highway Traffic Safety Administration, over 25 million students are in school with an average of 500,000 school buses on the roads. While school buses are statistically one of the safest modes of transportation, more than twice as many children are killed while getting on or off school buses than while riding in them. Preventable School Bus Accident

A 12-year-old girl was hit by a school bus in a South New Jersey middle school parking lot. She was walking across the parking lot which had no designated lines for pedestrian paths and no cross walks. She was run over by the rear tire of a school bus as it came around a loop. She suffered multiple fractures and serious internal injuries.

The bus driver was not faulted. The girl was walking between two cars.

At fault was the school district for failing to provide a parking lot with visibly designated markings; failing to provide appropriate cross walks; and failing to provide a school safety plan for bus arrivals and departures.

"This case, on first blush, appeared to be one of a careless child darting out between parked cars and running into the side of a bus, causing her own injuries", states Larry Cohan, counsel for the victim.

"After careful analysis, and expert review, it became apparent that this child was a victim of bad planning and bad design by her school. Had there been proper crosswalks, a safety plan and supervision, this child would not have even been crossing where she was, and the incident would not have occurred. The irresponsible school officials, who created this danger, were clearly negligent, and the school was required to pay for their failures."

The girl received a substantial settlement. Through extensive medical care and physical therapy, she is recovering.

School budget and school districts in many states are frequently in dire straits and are forced to make choices in how their limited funds are expended. Somehow the important issue of school bus safety goes to the back of the bus and doesn't get addressed.

School Bus Safety Problems

In 2002, 26 children were killed as pedestrians getting on or off a school bus, or while waiting at the school bus stop. Other motorists illegally passing a stopped school bus remain a problem in every community and the school bus industry urges stricter police and judicial enforcement against violators.

School buses always are operated by drivers with a Commercial Drivers License (CDL), required by the U.S. Department of Transportation, and who have received special school bus driver training required by states. In addition, no one can drive a school bus without first passing drug and alcohol screening and required law enforcement background checks.

There is no safer way to transport a child than in a school bus. Fatal crashes involving school bus occupants are rare events, even though school buses drive a remarkable 8.8 billion students to and from school annually. Every school day, some 500,000 yellow school buses transport more than 25 million children to and from schools mostly without a serious incident.

And here is another random article you might be interested in...

A Home Equity Loan – Is It For You?

Home equity loans are often touted as being the solution to so many things â€" giving you access to money for home repairs or improvements, a way to consolidate debt, finance a sudden family emergency, or even as a way to start an investment portfolio. There's a lot to think about, though, before you go and sign up for the first home equity loan you see.

A home equity loan is like a second mortgage on your home. If your home is currently worth $130,000, and you have a mortgage against it for $70,000, then you have $60,000 of equity available. Some home equity loans may allow you to borrow up to 80% of your home's value, others may go higher in special circumstances. In this example, you would be able to borrow another $34,000 as a home equity loan and still have only borrowed 80%.

So the first step is to get a reasonably good idea of what your home is worth on the market. Your friendly realtor may help with this, but be aware that sometimes they can inflate the value in the hope of getting your business. You can also look at what price similar houses close by have sold for. Or you can pay a qualified valuer to assess your home.

Now you have a starting figure, you can work out how much equity you have in your home. The other important figure to work out is how much you need for whatever purpose you have in mind. Hopefully that works out to be less than the equity available! It's even better if it's less than 80% of the available equity.

At this point it's important not to get carried away. It can be all too easy to say, well, I have $50,000 available and I really only need $30,000 to complete the repairs, so why not borrow $40,000 and blow the rest on a holiday? Remember â€" the more you borrow, the more it will cost you in repayments. It's very easy to borrow too much, only to find yourself struggling to meet the payments and maybe even losing your home.

You also need to decide what type of home equity loan you want. There are two main types â€" a closed end loan and a line of credit. A closed end loan is basically the same as a standard home mortgage â€" you borrow the amount for a set period of time, and make payments over time to gradually pay off the balance.

A line of credit, on the other hand, is like having a credit card with a big limit. Some banks will require you to make minimum payments each month, others only require payments if you're at your limit. Either way, the loan will only be for a set period of time, and at the end of that you will either have to extend the time period or refinance the loan with another lender. This type of facility can be useful if you're disciplined with your money, but if you're the type of person whose credits cards are always at their limits, it may not be a good idea at all to have ready access to such a large amount of credit.

Next, you need to work out how long you want to borrow the money for. This will vary depending on how much money you are borrowing, the type of home equity loan and how much you can afford to pay. There are lots of good mortgage calculators online that can help you to work this out. If borrowing the money over 5 years for a closed end loan means you won't be able to meet the payments, then see if spreading the loan over 10 years becomes more affordable for you. You will pay more in the long run, but at least you won't default on your loan.

When you know what you want, it's time to go and find it! It may be worth starting with banks recommended to you by friends and family â€" at least they'll be able to give feedback on their experiences. You can also shop around online, looking for the best deal.

Finally, when you have chosen the loan you want and are ready to proceed, do two more things. Firstly, check for fees. Banks are aware of the need to be competitive, and will often avoid charging up front fees for that reason. However it's amazing what can be hidden in the fine print of a contract. So read any loan documents thoroughly before signing. If you can, get the contract explained to you by your legal advisor.

Home equity loans can be a wonderful tool when used correctly. Do your homework first, find the loan that best matches what you want, and go for it. Just make sure you don't over extend yourself or sign documents that will give you nightmares forever.