It’s Time to Think Motorcycle Safety Again
As summer is almost here and the days get longer, the nicer days mean our roads will start to see a significant increase in motorcycle traffic. This also means that drivers will need to exercise even more caution on the already crowded California roads to ensure everyone gets home safely. Every summer sees a rise in motorcycle accidents, and it’s up to drivers and riders to educate themselves on sharing the roads safely.
While responsibility for motorcycle accidents can often be a shared thing, more often than not statistics indicate that motorcycle accidents are typically caused by motorists failing to see a motorcyclist or failing to yield to the cyclist’s right-of-way. These accidents often result in serious injury or even in death. Because of the seriousness of this issue, the Motorcycle Safety Foundation has released a new iBook, Intersection: Sharing the Road that is designed to educate motorists about what they can do to increase motorcycle safety.
The Penalties for Driving as an Uninsured Motorist in California
Anytime you take your automobile onto the road in California, you’re taking chances. Chances that others will comply with traffic laws, that they will obey speed limits, stop for stop signs, etc. But you also take a chance of being in an accident with an uninsured motorist. As a result, California has developed their own set of severe laws which govern penalties for uninsured motorists.
Every state requires that motorists carry at least minimum established insurance coverages. For California, the minimum requirement for personal injury and death coverage for an individual is at least $15,000. For more than one person, the coverage extends to $30,000. Minimum acceptable coverage for property damage is set at $5,000.
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Why Do I Need Uninsured Motorist Coverage?
Just like drivers in all other states, Californians fear being involved in an accident with an uninsured motorist. This unfortunately common scenario can quickly have a serious financial impact on your life and family. But having adequate uninsured motorist coverage, in tandem with California’s uninsured motorist laws, are intended to offer you a blanket of protection.
Uninsured motorist coverage not only helps in the event of an accident with an uninsured driver, but also applies to drivers who are insufficiently covered. According to statistics, drivers without coverage or with inadequate coverage make up one in every three drivers on California’s roads.
24 Tips to Help You Stay Safe on Your Motorcycle
Millions of people are attracted to motorcycles for all sorts of reasons; the sense of adventure that comes with riding on two wheels, the feeling of liberation and independence, and the exhilaration of riding into the wind at highway speeds are all very appealing to so many. But while riding a motorcycle gives you freedom, that freedom can come at a steep price if you’re unskilled on a two-wheeled vehicle, or do not pay close attention to your surroundings and other vehicles on the road.
Compared to automobile drivers, motorcyclists are 25 times more likely to become involved in a deadly accident. To help you avoid becoming one of those statistics, we’ve assembled a list of things that you can do to stay safe while enjoying the freedom of your motorcycle.
How Much and What Types Should I Have?
Auto insurance is one of those things in life that we’d rather not pay for, but for many of us will eventually prove well worth the investment. It only makes good sense to protect yourself, your family, and one of your most valuable investments, particularly one that you depend so much on. But with so many different types of auto insurance available, shopping for the right kind to fit your needs and your budget can be a daunting task. So how do you choose?
First, as a requirement for operating an automobile, all states require that you carry at least minimal liability insurance on your car. The minimum level varies from state to state. This coverage protects you and others involved in an accident when you are at fault. It even covers structures that might also have been damaged. But the minimum requirement in many states is far too low to offer adequate protection, and you should probably consider additional coverage in your policy.
Do I Have To Repay My Insurance Company?
While millions of automobile drivers in the U.S. carry auto insurance, many have no idea how the process works should they have to file a claim. Just hoping that you will never have to deal with it isn’t enough. You really should have a basic understanding of the process. Regarding auto claims, the most frequently asked question is, “Do I get to keep all of the money from my settlement, or do I have to repay my insurance company?”
There is more than one answer to this question. First, it depends on who caused the accident. If you’re at fault, then the insurance company could come after you for the cost associated with the accident. While this isn’t common practice, they could decide to recover some of the expense caused by your negligence.
You’ve Been Injured. What Next?
Personal injury cases are based on the premise that someone was injured by the act of another person or entity. If you find yourself in this unfortunate situation, you should seek out a top personal injury attorney who can fight for you and your rights. Since these cases are not necessarily clear cut, it is rarely advisable for you to go this alone.
When pursuing your personal injury case, the first thing on your list should be finding a good attorney. Even after you have narrowed down your choices, you still need to do a little research in order to make sure that he or she will be the right fit for you. This means looking for reviews from other clients, complaints, and even pending lawsuits that may have been filed. The Better Business Bureau is a great place to find this kind of information.
The Face to Face Meeting
You will next want to set a meeting with your attorney. Here, you will discuss the details of your case to determine if you do, in fact, have a viable claim. This is when your attorney will instruct you on what can be expected through each step of the process. This is also the time that your attorney will instruct you as to what will be expected of you. This will include any information you may have, the facts of your case, contacts who can help to verify your case, and any other information pertinent to your claim. The defendant’s attorney will also be contacting your attorney to swap information material to the case.
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I Resolve to …
New Year’s resolutions. Many of us make them, but not many of us manage to keep them. They generally have to do with things we feel, if accomplished, would make us a better, or healthier, or more prosperous person. We resolve to lose weight, or stop smoking, or to start working out or running, or to simply try to be a nicer human being.
These are all laudable and worthwhile objectives, and we encourage everyone to do your best to achieve whatever goals you’ve resolved to reach in 2012. But, we have a couple of items we’d like to suggest that you add to your list. They’re not traditional New Year’s resolutions, but we think they would be worth your time and effort, and might save you, or a loved one, or even a total stranger from harm and/or liability in the coming months and years.
Make a List … or Several
- Have all your vehicles checked thoroughly for potential safety issues. This means your cars, motorcycles, motor homes, watercraft, camping trailers, bicycles, even your skateboard. Check them all to be sure that wheels, brakes, lights – anything that could cause an accident, should it malfunction – are in good working order.
I Can Do This. Right?
Personal injury law encompasses a broad array of circumstances. These may include, but are not limited to, injury in an auto accident or some mode of public transportation, slip and fall on property owned by someone else, injury from dog bite or other animal that does not belong to you. These, and more, all fall under the umbrella of personal injury and the severity of your injury may have a big impact on exactly how your claim is processed. There may be occasions when you could handle a claim on your own, either through an insurance company or small claims court. In other situations, you would be well advised to seek the counsel of a qualified legal professional. This will depend on the seriousness of your injury, and your comfort level in dealing with bureaucratic red tape.
When Is It Smart To Do It Yourself?
Auto accidents are by far one of the most common causes of personal injury, even for good, careful drivers. If you’re rear-ended by another driver and injuries to you and your passengers are slight, and the damage to your car is minor, you may feel comfortable simply filing a claim with your insurance, or the other driver’s insurance. If you feel that compensation is sufficient to cover repairs to your vehicle and any medical treatment received, and you are satisfied with the timeliness and professionalism of the service, then this would constitute a good outcome for you.
If, on the other hand, you’re not comfortable or not willing to negotiate with insurance adjusters to reach what you consider to be fair compensation for your loss, then you should turn this task over to someone who is skilled and professional and who can represent your best interests. Waiting until you’ve tried and failed to arrive at a fair settlement, and then seeking the advice of a personal injury lawyer can complicate your claim process. If you’re unsure about how to handle your personal injury claim, contact an attorney immediately and explain the details of your case. Most will offer a free consultation, and most will inform you if their services are not really required for your particular situation.
Ensure Your Best Possible Recovery ~
It can certainly be a life-altering event, and the first thing you should know about spinal cord injury is that it does not always present symptoms immediately after sustaining damage. If you suffer a head, neck, or back injury, even if you feel that it’s minor, get the opinion of a qualified health care professional immediately. If you or a loved one has suffered a spinal cord injury, you should know what steps to take to ensure that you’ll receive the best medical care and rehabilitation efforts.
All brain injuries and injuries to the spinal cord are potentially dangerous. They can cause excruciating pain, take away your freedom of movement, speech, or hearing, and can even result in death. If you suffer an injury to the spinal cord due to an accident, on the job or elsewhere, you’ll not only need excellent medical attention but also the counsel of a skilled personal injury attorney. More often than not, there will be an intimidating maze of legalities that must be dealt with before you can get on with treatment and recovery.
Things to Keep in Mind
After you or a loved one has been diagnosed with a spinal cord injury, take the following steps to ensure that you won’t be left without help and without the means to ensure your best possible recovery.