Motorcycle Safety Course Refresher Can Benefit Even Toughest of Bikers

motorcycle safety

Motorcycle Safety Course Benefits All

Riding is incredibly popular in Colorado, perhaps because of the beautiful scenery that we have, from the eastern plains, to the mountain vistas, to the red plateaus of the Four Corners area, motorcycling is a great way to see everything that Colorado has to offer.  Of course, with the lack of inherent protection offered by a motorcycle in mind, safety needs to be a constant priority. Here are some tips from Colorado motorcycle accident attorneys who want you to ride safely this summer while enjoying the colorful beauty of Colorado.

Take a Motorcycle Safety Course

Various organizations in Colorado offer motorcycle safety courses for reasonable rates to anyone.  If you are a beginner, these courses may very well teach you skills that will save your life.  The skills covered include strategies to increase your awareness of the traffic around you, and skills for avoiding problems that arise.  Even for a seasoned, veteran rider, the modest cost of these courses is very reasonable compared to the cost of a very serious accident.  Courses are offered for a variety of skill levels, from beginners to veterans.

Use Safety Gear

Like Florida, wearing a helmet in Colorado is not mandatory UNLESS YOU ARE A MINOR, but countless studies have shown that helmets have the potential to decrease the severity of head and neck injuries, and save lives.  Whether you choose to wear a helmet or not, you should always wear riding leathers, which can also significantly impact the severity of injuries sustained in accidents.

Be Aware of Your Surroundings

It is vital that you are constantly aware of what is going on around you.  You need to know that there is a car approaching from the rear.  You need to notice that the driver of the car in the other lane is talking on the phone.  You need to know that the switchbacks coming up are sharp, require low speed, and realize that there may be a car coming down them going too fast in the wrong lane.  When it comes to riding a motorcycle, remember that defensive driving may safe your life.

Contact an experienced motorcycle accident attorney immediately if you have been seriously injured in a motorcycle accident.  If your injuries were caused by the negligence of another driver, you may be entitled to recover compensation for property damage, medical bills, and lost wages.  Your experienced motorcycle accident lawyer can ensure that your case is not hurt by the fact that you exercised your legal right not to wear a helmet.  Many Denver personal injury attorneys offer Free Case Evaluations and work on a contingency fee basis.  For more information, contact a personal injury lawyer today.

motorcycle accident attorney, Personal Injury Tips

Don’t Ignore Soreness After A Car Accident, Doctor’s Visits Are Covered (14 Days)

radiograph of ankle after car accidentA revision to Florida’s Motor Vehicle No Fault Law which took place on January 1, 2013, requires that Florida residents injured in auto accidents seek medical treatment within fourteen (14) days of an accident or they lose $10,000.00 in medical expense and lost wage coverage from their own policy no matter who is at fault! Society teaches us to keep marching on, in a manner of speaking, and if you are suffering “only” some stiffness and/or soreness, may feel that you don’t need to see a doctor.  In light of the preceding, nothing could be further from the truth.  Your injury(ies) may be more serious than you realize.  At least get checked out with plain film x-rays or preferably have an MRI taken, to be sure there is no objective pathology such as a disk injury in your spine or ligament or meniscal tear in a joint.  At least this way you (1) know the full extent of your injury and (2) have preserved the ten thousand dollars in medical expense and lost wage benefits should your symptoms / injuries become worse.

Personal Injury Tips

Why Uninsured Motorist Protection Is So Important In Florida

uninsured motorist protects you 3 ways
Recall our discussion of the legislative intent of our no fault law, to get your medical expenses and lost wages paid at statutorily (by law) mandated percentages regardless of who was at fault in an auto accident.

In that discussion, consumers must understand that Florida allows a one thousand dollar ($1,000.00) deductible on such coverage and insurance agents are famous for, so to speak, not thoroughly explaining the coverages you choose.  Indeed, the term “full coverage” often is a misnomer, actually meaning you have the minimum coverage to register, tag and operate your vehicle in Florida.

Which leads us to the importance of uninsured motorist protection which acts inclusively as underinsured motorist protection.  It protects you three ways:

1.  For the 20% of medical bills and 40% of average gross wage that no fault benefits don’t cover if the driver who caused your accident is uninsured either through (a) not paying their premium(s) on time and their coverage is lapsed or (b) they carry state minimum coverage and Florida does not require bodily injury liability coverage (although they should in our opinion), as well as pain and suffering if you suffer a chronic, or lasting, injury, even of a muscular nature.

2.  Against an inadequately insured, or underinsured, motorist, when their coverage is not enough to pay your out of pocket expenses and pain and suffering compensation for more serious injuries.

3.  In phantom vehicle situations which most think of as a “hit and run”.  But it doesn’t have to be a hit and run, another vehicle can as an example errantly cause you to veer, or swerve, and hit another vehicle or an object such as a utility pole, injure you, and keep going.

Talk to your agent.  Get a price quote on uninsured/underinsured motorist protection if you don’t have it.  You will find that it is one of the least expensive coverages available and again, protects you three ways.

Personal Injury Tips

Florida’s PIP Minimum Deductible Requirement Lowered In Recent Years

florida pip insurance reduced
Florida’s PIP Minimum Deductible Requirement Lowered In Recent Years
We’ve spoken a great deal about the legislative intent of the Florida Motor Vehicle No Fault Law in general.  Now let’s talk about the importance of knowing what a deductible on your No Fault coverage means and that will segue to our discussion tomorrow of know full well the importance of uninsured motorist protection.

Until recent years Florida allowed a $2,000 deductible on such coverage with only eight thousand dollars out of a basic ten thousand dollars in coverage remaining once the deductible was surpassed.

Currently, Florida allows only a one thousand dollar ($1,000.00) deductible with a full $10,000.00 in coverage after the deductible is, again, surpassed.  Remember, under state law your own insurance pays medical expenses and wage loss no matter who was at fault, and they pay medical expenses with basic coverage at 80%.  The at fault driver’s insurance company pays the other 20% of medical expenses regardless of the type of injury as long as it is related to the accident but that’s it.

An ambulance ride alone, along with the hospital bill, the emergency room doctor’s bill (generally separate from the hospital) and radiologist’s bill (who read any x-rays taken) can easily tally $1,000 or more.  Can you afford $1,000 out of your pocket?  Remember, the at fault driver’s carrier only pays 20%.  Get with your agent.  You will find the rate for a zero (0) deductible compared with the largest $1,000 deductible to be only a few premium dollars more.  As stated this will lead to our discussion tomorrow of uninsured motorist protection to keep from owing money out of pocket.  The Orlando Personal Injury Lawyer is here to answer any questions you may have!

Personal Injury Tips

If A Pedestrian Is Hit By A Car, Why Does Their Own Car Insurance Pay For Medical Expenses?

crosswalk
If A Pedestrian Is Hit By A Car, Why Does Their Own Car Insurance Pay For Medical Expenses?
Let’s say a pedestrian is crossing on a clear to walk signal, he is knocked to the ground by the driver of a pickup truck.  He is scraped up very badly and stiff and sore and did go to the emergency room from the scene.  The personnel at the hospital told him that his own auto insurance pays the medical bills since he owns a car that is insured.  This sounds crazy since his car wasn’t even involved.  What is the “legislative intent” of this if this is the law?

Car Accident Attorney:  Florida’s Motor Vehicle No Fault Law is designed to be all encompassing, that is a catch all so to speak for anyone injured in the operation, maintenance or use of a motor vehicle, since such causes more injuries than any other type of event.  You can bet that hospitals had a strong lobby in the 1970′s when the law was written.  Again if you are injured in the operation, maintenance or use of a regular highway passenger four wheeled vehicle (if you are on a motorcycle you are excluded though) you draw medical expense and lost wage coverage pursuant to state law in the following order:

1.  If you own a four wheeled vehicle your own coverage pays without regard to fault and it doesn’t matter whether your vehicle is involved or not.

2.  If you do not own a vehicle but live with a relative who does, you draw that coverage from the resident relative’s vehicle whether you are on the policy or not.

3.  If you do not own a vehicle and don’t live with a relative who does, you draw your medical expense and lost wage “no fault” coverage from the vehicle you occupy when the injury occurs.

4.  If you are a pedestrian and 1 and 2 don’t apply and obviously you didn’t occupy a vehicle

(also holds true if you are on a bicycle) this is the ONE TIME you can draw your no fault coverage from the vehicle which strikes or otherwise injures you.

I say again you have nothing to worry about in terms of a raise in rates.

Accident Attorney Q&A, Personal Injury Tips

Accident Attorney: I Was Rear Ended At A Stop Sign, Do I have A Case?

rear-ended-at-stop-sign

Stop Sign Accident Question:  I was in an accident late last week where I got rearended at a stop sign.  Did some pretty good damage to my car.  The police were called and gave the other driver a ticket.  I got his insurance information and they have already made an estimate on my car and I take it in to the body shop tomorrow, they’re also putting me in a rental car.  I felt real sore the day after the accident but thought it would go away. Instead, it has gotten worse.  Can you help me?

Orlando Auto Accident Lawyer:  Yes.  I cannot emphasize enough the importance of seeking medical treatment within fourteen (14) days of the accident or you lost $10,000 in medical expense and lost wage benefits payable by your own auto insurance company without regard to fault pursuant to
state law.  You do not have to worry about an increase in rates, nor them refusing to renew you nor dropping you and your agent will confirm this.  Potentially I can also recover money for you for pain and suffering from the at fault driver’s insurance company as well.
Indeed, you owe us nothing unless we do.  The Orlando Personal Injury Lawyer Group; 407-924-4566 (feel free to call after hours).

Accident Attorney Q&A, car accidents, Personal Injury Tips

Construction Car Accident: Use Worker’s Comp Or Personal Car Insurance?

concrete-truck-accident

Construction Accident Question:  Is this work comp or auto insurance?  My brother was at work the other day pushing a heavy wheelbarrow (full of wet concrete) on a scaffold when a coworker leaped from an adjoining floor onto the scaffold, it sort of bowed, or bounced, and my brother and the wheelbarrow went off the scaffold and plummeted one story and a pickup truck from another subcontractor was going by and he hit the hood and fractured his leg and cut his forehead up real bad.  They took him right off to the emergency room of course.  Now his employer is discouraging him from filing a workers’ compensation claim and the hospital told him that his insurance on his own car will pay his medical bills and lost wages.  That’s crazy, right?  His car was two blocks away in an employee parking area and he was on the job.  Can you help him?

Car Accident Attorney:  Absolutely.  One, I can refer him to an attorney board certified in work comp.  Two, under our state no fault law, his own auto insurance pays medical expenses and lost wages up to $10,000 regardless of fault, and regardless of whether his vehicle was involved or not.  Lastly, if the driver of the pickup truck can be found to be even comparatively negligent, that is, partly at fault, I can ostensibly recover money for your brother for pain and suffering, which, considering a fractured leg, could be quite substantial.  He owes me absolutely nothing unless I do.  Our consultations are free and we are happy to meet after hours.  The Orlando Personal Injury Lawyer Group, 407-924-4566; we look forward to hearing from you!

Accident Attorney Q&A, car accidents, Personal Injury Tips

Will My Auto Insurance Go Up If I Hire An Attorney After A Car Accident?

no-turn-on-red-light

Auto Accident Question:  I was in an accident this past Friday where I got rearended hard at a red light.  There was a witness and the police officer gave the guy a ticket for careless driving. His insurance company is already in the process of fixing my car and will put me in a nice rental car tomorrow.  My shoulder and neck are real sore, but I have relatives and friends saying I shouldn’t bother to legally pursue anything because my insurance rates will just go up.  My question is will my auto insurance rate go up if I hire an attorney after a car accident?

Orlando Car Accident Attorney: As you were rearended, the other party was clearly 100% liable, and your agent will tell you that they will not raise your rates, nor can they drop you or refuse to renew you for using your no fault benefits; state law requires it. While society teaches us to carry on, you frankly do not know the full extent of your injuries.  At least get checked out, and under state law you must seek medical care within 14 days of the accident or you lost $10,000.00 in medical expense and lost wage benefits. We can help in all aspects.  Our consultations are free and moreover unless we recover money for you specifically for pain and suffering, you owe us absolutely nothing.
We are more than happy to meet with you after hours, too.  The Orlando Personal Injury Lawyer, 407-924-4566; we look forward to hearing from you!

Accident Attorney Q&A, car accidents, Personal Injury Tips

Golf Cart Knocked Over By Car: Am I Eligible For No Fault Coverage?

golf-cart-accident

Golf Cart Accident Question:  I was in a golf cart the other day, negotiating a golf cart cross, when a car backed into me and knocked the cart over.  I’m very sore, and it scraped up my left arm real bad.  Probably going to scar.  The security people at the golf club found the driver at fault (he admitted it) and gave me his insurance information.  One, do I get this Florida no fault coverage I have been hearing about and two, do I have a legitimate case?

Auto Accident Attorney Of Orlando:  Yes.  Being in a golf cart, you do not receive no fault benefits.  However, that means your medical expenses are payable by the at fault driver’s insurance company and there is no particular requirement for the type of injury to recover money for pain and suffering in addition to medical expenses and lost wages.  If I do not recover money for you specifically for pain and suffering, you owe me nothing.  We are happy to meet after hours including weekends and explain your full potential rights and benefits whether you hire us or not.  The Orlando Personal Injury Lawyer Group, 407-924-4566; We look forward to hearing from you!

Accident Attorney Q&A, car accidents, Personal Injury Tips

Finger Broken After Car Accident: Do I Really Need A Lawyer?

broken-little-finger-after-auto-accident

Broken Finger Question:  Do I really need a lawyer?  Or better yet, why should I hire one?  I got hit by a company vehicle the other night and wound up with a broken little finger. Yes, I’m sore, but my parents always taught me to carry on and not to whine.  I can still work, and the other guy’s insurance company is paying for my car damage, which was pretty bad.  I did go to the emergency room and had my finger splinted and I will follow up with an  orthopedist.  So do I really need an attorney? The other guy’s insurance company is paying the 20% of medical bills not paid by my no fault overage and offered an additional $500.

Orlando Car Accident Lawyer A fractured little finger is worth a lot more than five hundred dollars generally.  Do you know the full effect that will have on your future life?
Moreover, do you know the full extent of your injuries without benefit of a CT scan or MRI?  Many times simple soreness is worse than you might think.  We can help.  You owe us nothing unless we recover money for you for pain and suffering.  The Orlando Personal Injury Lawyer Group, happy to meet with you after hours including weekends, too.  407-924-4566 we look forward to hearing from you!

Accident Attorney Q&A, car accidents, motorcycle accident attorney, Personal Injury Tips