Archive for accident

Motorcycle Insurance Coverage – Don’t Ask Why, Ask How Much is Enough

Like cars and trucks, motorcycles travel on public roads. As a result, they fall in the same category of required insurance coverage, regardless of the size of the motorcycle and how fast it might go. That insurance can range from a bare minimum to a full comprehensive package. At a minimum, every state requires a motorcycle to be insured with a basic minimum coverage to protect other drivers on the road in terms of liability. The amount of that coverage varies from state to state, but it basically provides two categories of protection: medical cost coverage and property recovery.

Risk Comparisons With Reality

Interestingly, motorcycles have lower costs for insurance but have a higher rate of accident frequency and, in serious cases, fatalities. Many of the accident statistics are due to the fact that motorcycles have no protection to speak of in an impact, so the rider is fully exposed to harm. Secondly, other drivers generally don’t see motorcycles on the roads with them; numerous accidents involve car drivers who never saw the motorcycle, even when it was in their direct sight – they are simply too small to notice consistently.

Choosing the Right Coverage as a Rider

The bottom line, however, is that the insurance plan a rider chooses can really impact the outcome of an accident. Clearly, minimum coverage plans meet basic requirements in a given state, but they do very little to help recovery. At the other end of the spectrum, comprehensive plans cover far more than just the road. For example, if the motorcycle gets stolen or damaged while parked, a full plan will help get a rider back on the road. The big component that matters, however, is personal injury protection, or PIP. This is the coverage element that helps a rider get back up on his or her feet after an injury the most. With minimal or no medical coverage, a rider is really taking a chance on the road. Because of the typical severity of motorcycle accidents, it’s rare for a rider to come out of an impact unscathed.

There’s no question that the more coverage that is included in a plan, the better off a rider will be. That said, most folks are on a budget and don’t want to overpay for a risk that never happens. Ideally, comprehensive is best, but it’s also possible to work up to a better plan over time. However, riders should never go without coverage at all. There’s simply too many chances of being hit or making a mistake on a motorcycle and it turns into something serious every day. Coverage isn’t a question of whether to have it or not; it’s a metric of how much can be applied.

The Dangers Of Unsecured Loads And Road Debris

Unsecured loads and road debris lead to avoidable yet severe accidents. Road litter leads to about 25,000 accidents every year. Unfortunately, some of these accidents result in death. Debris will often end up on the road if it has not been loaded or secured properly. Apart from the risk of accidents, road debris also results in littering.

Imagine you are driving down the highway at 70 mph, and then you see a piece of metal flying off the back of a truck, hitting your windshield. Or, you could get hit by a driver swerving to avoid being hit by that scrap metal. If you get involved in an accident because the other driver did not secure their load properly, talk to an attorney. That is the easiest way to get compensation for the damage caused. The attorney will discuss with you what your legal rights are and help you take the proper legal steps to secure a fair settlement.

It Is Illegal To Not Secure Your Load

If you fasten your kids’ seatbelts to secure them yet they are in the car, why would you assume it is okay to not secure any load you are carrying on the bed of your truck? Not securing a load will earn you a fine. And if you cause any bodily injury or property damage, you will be held liable and have to compensate the harmed party.

Unsecured Loads Lead To Fatalities

There have been many reports of people dying because a loose object that has fallen from a moving car and hit their vehicle. That is how dangerous unsecured loads are. The impact of a heavy object plus the speed of an incoming car can result in serious injuries or, even worse, death.

Securing Your Load

Here are some helpful tips to keep in mind when transporting heavy equipment:

  • Ensure that all items are directly tied to the vehicle
  • Do not overload your vehicle
  • Ensure that the entire load has been properly secured with appropriate straps, tethers, tarp, and netting
  • Factor in that you might hit some bumps and potholes that can loosen any load that is not well secured
  • Lastly, would you feel safe if you were the one driving behind your load?

Talk To An Attorney

If you get into an accident involving unsecured loads because the other driver was negligent, talk to an attorney. An experienced lawyer knows your legal rights, which means fighting for fair compensation will not be a problem.

Who is at Fault? Traffic Accidents During Winter Weather.

Car accidents can occur at anytime, but during the winter months when roads become slippery with snow, sleet and ice, the likelihood of becoming involved in an accident increases significantly. If you’re ever involved in an accident during the winter, you may be concerned about the police and insurance company’s ability to accurately determine who was at fault. Fortunately, there are several ways of accurately determining fault following a car accident that occurs during inclement winter weather.

Law Enforcement

When most auto accidents occur, regardless of the time of year, a police officer is usually the first person on the scene. It’s the responsibility of the police officer to make an initial determination of who was at fault, after an investigation has been conducted, and the officer will issue a ticket to the driver who is determined to have caused the accident. The police officer will gather information from all drivers involved, including their driver’s licenses and proof of car insurance, which will be needed for the police report. You should obtain a copy of the police report, which will usually be ready after a couple of days, depending on the police station.


Law enforcement and even insurance companies may question any pedestrians or other drivers who may have witnessed the auto accident. This is more likely to happen if the officer isn’t sure whose negligence caused the accident.

An Experienced Traffic and Accident Attorney

After contacting law enforcement and exchanging contact and insurance information with the other drivers, you should contact an experienced auto accident attorney. Even if you believe you were at fault for the accident, the right attorney can ensure that you receive the best outcome possible following the accident. The attorney will conduct his or her own investigation in order to determine if you or another driver was at fault.

As you can see, there are many steps to determining who is at fault in a car accident that occurs in the winter. So, if you ever find yourself involved in a car accident due to inclement winter weather, you should never admit fault and you should also make sure that you contact an experienced accident attorney as quickly as you can.