Sage Advice From An Orlando Motorcycle Attorney: Don’t Skip The UM Insurance

Sage Advice From An Orlando Motorcycle Attorney: Don’t Skip The UM Insurance

Biketoberfest accidents drive home the fact that motorcycle accidents are some of the most devastating types of auto accidents on the road. Nearly 90,000 motorcyclists are injured in accidents every year, making the chances of being involved in an accident too high to ignore. Motorcyclists, perhaps more than any other type of driver, need to have adequate insurance coverage to offset these risks. Compounding that risk is the fact that motorcyclists are much more exposed than automobile drivers and are far more likely to sustain terrible personal injuries and serious motorcycle damage. Motorcycle insurance can help pay for the costs of these injuries and damages if you have the right types and amounts of coverage. One type of motorcycle insurance coverage that often gets overlooked is Uninsured Motorist (UM) coverage. UM coverage is not required in the State of Florida and as a result, tends to get glossed over by drivers and insurance agents, but it’s one of the most effective forms of coverage a motorcyclist can have and it is something every Orlando motorcycle lawyer recommends their clients carry. UM Insurance Helps Cover Your Injuries, Not Just the Other Driver Uninsured Motorist coverage is similar to liability coverage, which is required by the state. The key difference between these two types of coverage is that where liability coverage helps pay for injuries and damages that you cause, UM coverage pays for injuries and damages that you sustain in an accident. In an ideal world, the driver who caused the accident would have adequate liability insurance and the victim’s medical bills and motorcycle repairs would be covered under that policy. Unfortunately, we do not live in an ideal world. Insurance coverage is difficult to enforce and because of that, there are many, many drivers who do not have liability insurance […]

Biketoberfest Is The Perfect Time To Remind Riders Of Motorcyclist Safety In Florida

Biketoberfest Is The Perfect Time To Remind Riders Of Motorcyclist Safety In Florida

Daytona Beach’s Biketoberfest® is just around the corner, making now a great time to remind riders of motorcyclist safety in Florida. It seems like every year there is at least one Biketoberfest accident that makes headlines. We urge riders to be smart and be safe this year to avoid getting injured or worse. Helmets and safety gear go a long way towards minimizing injury. However, if an injury or accident does happen, make one your first calls to an Orlando motorcyclist attorney. Yes, Motorcyclists Have Rights Motorcyclists are at a disadvantage on the road. Not only are motorcycles smaller than cars and trucks, they are less protected and less visible. This all adds up to create a dangerous situation for riders, who can suffer more severe injuries when accidents occur. Also, there is an underlying bias against motorcyclists. There is often an assumption that the motorcyclist is at fault in an accident, even if evidence points to the contrary. Other drivers, insurance companies, and police may hold biases against motorcyclists and assume they are at fault in an accident. Don’t let scare tactics prevent you from exerting your legal rights to compensation for your injuries. Motorcyclists have the exact same rights as automobile drivers, as tractor-trailer drivers, as pedestrians, etc. That means, if someone else caused the accident that led to your injury you have the right to bring a lawsuit against them to try and obtain compensation to help pay for your medical costs and other damages. An Orlando motorcycle attorney can help make this happen. Learn More About The Rights Of Motorcyclists In Orlando At Dellecker, Wilson, King, McKenna, Ruffier & Sos, LLP If you have been injured in a motorcycle accident and want to know if you have legal recourse to seek compensation, contact an Orlando motorcycle […]

Tips for Automobile Drivers During Bike Week

Tips for Automobile Drivers During Bike Week

Bike Week, which first began in 1937, used to center around events in Daytona, but since then the festivities have spread across Central Florida. This means that throughout Bike Week, motorcyclists are taking to the open road, no longer clustered along the Atlantic but filling up roads from coast to coast, particularly along the I-4 corridor. In Florida, restaurants and retailers welcome the economic bump, but we’re also cautious about the uptick in motorcycle accidents. Typically, public safety messages are focused on motorcyclists, but those of us who drive cars and trucks need to be careful as well, especially during Bike Week when we’re likely to encounter motorcycles several times a day. Consider these tips below, and help keep the roads safe for everyone: More than 50% of all fatal motorcycle crashes involve another vehicle, and often the accident takes place when a car or truck driver doesn’t see a nearby motorcycle. Motorcycles have a narrow profile, so other drivers must pay extra attention to notice them, especially when changing lanes or turning at intersections. Motorcycles are much smaller than cars, and can appear further away than they actually are. If you’re backing out of a driveway or making a turn when there’s a motorcycle nearby, assume that it is closer than you think, and take extra precautions. If you’re counting on brake lights to indicate that the motorcycle in front of you is slowing down or stopping, think again. Motorcyclists often slow by downshifting or rolling off the throttle, neither of which activate the brake light. If you’re expecting brake lights, you might not notice that the motorcycle has slowed. If a motorcycle’s turn signal is blinking, it might not actually be making a turn or changing lanes. Unlike cars, many motorcycles’ turn signals don’t switch off after a […]

Who Pays for a Motorcycle Accident

Who Pays for a Motorcycle Accident

In the aftermath of a motorcycle accident, accident victims and their loved ones are always faced with the question of who will pay for the mounting costs. The primary costs resulting from a motorcycle accident may include property damage and injury-related costs in the event that the rider was injured. There are several factors that determine who pays for a motorcycle accident. The main considerations typically involve the insurance policies of both drivers involved, the state in which the accident occurred, which party is at fault, and whether or not an accident victim plans to pursue a personal injury insurance claim or lawsuit against the at-fault driver. Determining Fault in a Motorcycle Accident Determining who pays for a motorcycle accident will involve determining which party is at fault, or which party’s negligent or careless actions caused the accident. Once fault is determined, bodily injuries and property damage are typically compensated for through the appropriate insurance policies and coverage features. If motorcyclists who are not at fault sustain injury or motorcycle damage, they may be compensated through their own insurance coverage or the applicable insurance coverage of the at-fault party. Filing a Personal Injury Lawsuit If the at-fault driver has insufficient accident insurance coverage or no coverage, the injured motorcyclist may be covered by his or her own insurance coverage, such as uninsured motorist coverage. However, this may not always be the case, as uninsured motorist coverage is not required in Florida and several other states. In this case, the injured motorcyclist may need to file a personal injury lawsuit against the at-fault driver to receive compensation. Types of Motorcycle Insurance When determining who pays for a motorcycle accident, the insurance policies of both drivers will play an important role. If the at-fault driver has sufficient accident insurance, the injured motorcyclist […]

The Great Crash Bar Debate

The Great Crash Bar Debate

If you own a motorcycle or have been around bikers talking shop, you’ve probably heard at least one conversation about crash bars. Also called highway bars or engine guards, crash bars are those tubular pieces of alloy or aluminum, usually bent in an oval or rectangular shape, that you see extending out to either side of a bike behind the front tire and in front of the motor. Are Motorcycle Crash Bars Effective? The use and effectiveness of crash bars has been a topic of debate for decades and there’s not really a definitive end in sight. There are several reasons why proponents of crash bars choose to use them on their motorcycles. Rider protection. Many riders swear that their crash bars protected their legs in low-side crashes or even side-swipes. Crash bars protect your paint. This one is actually pretty undeniable. If you drop your bike, the crash bars may protect the paint on your tank and the sides of your bike from damage. Crash bars protect your engine. Motors are expensive and even if you’re in a crash, you want to protect them from damage. Crash bars (aka engine guards!) may help do that. Additional lights and leg positions. You can mount extra lights and foot pegs on them. Extra handholds. Crash bars give you something to grasp if you drop your bike. Crash Bar Studies There have only been two real studies focused on the effectiveness of crash bars for safety reasons. The Hurt Report of 1981 determined that they weren’t of use because even though they decreased the risk of ankle and foot injuries, the risk of injury to your upper leg was increased. The Transport Research Laboratory in Britain conducted another study in 1995 that concluded that crash bars decreased a rider’s risk of leg […]

Top 6 Motorcycle Dangers

Top 6 Motorcycle Dangers

Poor road conditions are dangerous no matter what vehicle you’re driving. However, they can be fatal when you’re riding your motorcycle. One of the best things about a bike is the feeling of the wind in your hair and the sun on your face. Be careful not to get too wrapped up in the fun and forget to pay attention to motorcycle dangers on the road. If this happens, motorcycle dangers as seemingly inconsequential as a leaf can send you down. Motorcycle Dangers on the Road Here is a list of the most common motorcycle dangers to watch out for: Changes in regular routes. Don’t assume that just because the road was clear and free of construction yesterday that it will be today. According to Progressive Insurance’s data, 55 percent of crashes occur within five miles of home. Don’t get lax about motorcycle dangers on the road just because you’re almost home. Unexpectedly slick surfaces and debris. Sand in a curve or some morning dew on road paint can take your feet or bike right out from underneath you. Other seemingly-harmless motorcycle dangers on the road include leaves, oil spots, gravel, and water drips at stop lights. Uneven road surfaces. Changes in road surfaces may seem like no big deal in a car. On a motorcycle, they can be much trickier. Motorcycle dangers on the road like grated bridges, striated pavement, railroad tracks and uneven lanes need to be carefully navigated. Puddles. The motorcycle dangers of a puddle are that riders don’t know how deep it is, what’s in it, or what’s underneath. Even if it’s only water, we’ve already discussed the motorcycle dangers of wet roads. What if the puddle is full of oil, or hiding a deep pothole? It’s best to avoid puddles entirely if possible. Curves. Curvy […]