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Traffic Accident Claims

Motorcycles have grown in popularity over the years as thousands of riders take to the streets for either sport or recreation. While the thought of feeling the wind on your face while riding a motorcycle appeals to many people, motorcyclists face many risks every time they get on their bikes, especially when other motorists cannot see them on the road. Ultimately, understanding the reasons behind motorcycle accidents can help both drivers and motorcyclists make safer decisions when sharing the road. There are some common causes of motorcycle accidents in Indiana and nationwide. Some of these include riders overlooking motorcyclists, motorcyclists not giving way, vehicles turning left in front of motorcyclists at intersections, and motorcyclist errors. The National Highway Traffic Safety Administration notes that in 2008 there were 5,290 motorcycle accident fatalities with 96,000 other injuries. 119 of those deaths occurred in Indiana alone. Because motorcycles are much smaller than cars, light trucks, and large trucks, many drivers often don’t see a motorcyclist until it’s too late. Two-vehicle accidents accounted for 2,554 (47%) of motorcyclist fatalities in 2008. Motorcyclists also don’t have the benefit of a metal frame to protect them in the event of an impact, so in almost all two-vehicle accidents involving a motorcycle, it is the rider who suffers the most damage. Intersection accidents where a vehicle made a left turn in front of a motorcyclist killed 985 people. In most cases, the motorcyclist was going straight or overtaking another vehicle. Both the vehicle and the motorcycle died while driving straight ahead with 666 fatalities. When motorcyclists have the right-of-way at an intersection, they may be traveling at a higher speed, which contributes to the severity of injuries in an accident. When a rider is traveling at 40 miles per hour and a vehicle in front of him or her makes a left turn, causing the motorcycle to strike the vehicle, the likelihood of catastrophic injury or death increases significantly. Motorists should always be vigilant and watch out for motorcyclists when turning at intersections. Almost two-thirds of motorcycle accidents are due to driver error. In many cases, driver speed and inexperience contribute to single vehicle accidents. Some riders may also buy the wrong motorcycle for their experience level and opt for a larger engine with more power, e.g. B. a 900cc engine instead of a 250cc or 600cc engine. Because larger bikes are heavier, they may be more difficult to control for a smaller or inexperienced motorcyclist. Statistics show that motorcyclists are more likely to be involved in an accident with a fixed object such as a tree or lamppost, compared to 19% of passenger cars, 14% of light trucks and just 4% of large trucks. As previously mentioned, motorcyclists do not have the benefit of a metal frame to protect them in the event of an accident like passenger car occupants. There are steps motorcyclists can take to avoid motorcycle accidents and personal injury, including but not limited to: Choosing the right size motorcycle for the rider’s build and experience level. Always wear a helmet, eye protection, jacket, trousers and riding boots. In the event that a rider is hit and slides across the pavement, it’s better for the protective gear to be ruined than the rider’s body. Obey the traffic rules and share the road. Do not accelerate or weave in and out of traffic. As much as other drivers need to look out for a driver, the driver should show the same courtesy to other drivers.



Homeowners Insurance – Your Children May Not Be Covered!

This week I’ve been reflecting on families and how they can be affected by the definitions of words in insurance policies. We all know that the divorce rate in America is very high. And we know that many divorced people have children. We also know that many divorced people with children remarry. The old understanding of what constitutes a family is constantly changing. But insurance policy terminology has not kept pace with this change, and your family may be affected at the time of the claim.

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