Attention Motorcyclists: Be Sure You Have Sufficient Insurance Coverage

According to the Star Tribune, one person was killed and another seriously injured in a Chisago County motorcycle versus mini-van accident on Wednesday, August 12, 2009. According to the article, the minivan ran a stop sign, hitting the motorcycle.

As of the end of July 29 motorcyclists had been killed in Minnesota this year. At the same time last year, there were 26 deaths. The article also notes that August and September are typically the most deadly in terms of motorcycle accidents.

Last year, there were a total of 72 deaths – the most since 1985. All other types of motor vehicle deaths have been on the decline, but deadly motorcycle accidents appear to be on the rise.

Meuser & Associates frequently represents people who are hurt in motorcycle versus car accidents. Unfortunately, regardless of fault, the motorcyclist usually is on the losing end of a motorcycle versus car crash. Invariably, the injuries are severe.

Unlike other vehicles in Minnesota, motorcycle owners are required to carry only liability insurance. Motorcyclists are not required to carry no-fault insurance, uninsured motorist coverage, or underinsured coverage.

It’s an unfortunate truth that motorcycle crashes usually result in severe injuries. As such, I can’t recommend strongly enough that motorcycle owners purchase sufficient no-fault insurance, uninsured motorist insurance, and underinsured motorist insurance to cover medical expenses, wage loss, and pain and suffering in case of a severe accident. Too often we see motorcyclists who suffer significant injuries but the at-fault party either has no insurance, or their insurance coverage is not sufficient to compensate the injured motorcyclist for his or her medical expenses, wage loss, pain and suffering, and loss of enjoyment of life.

Even if you are at fault, or involved in a single-vehicle crash, no-fault insurance covers your medical expenses and some wage loss. No-fault insurance is also the first line of insurance that covers your initial medical expenses if you are involved in a crash where the other vehicle is at fault.

If you are hit by an at-fault driver who has no insurance, uninsured motorist insurance covers additional medical expenses, wage loss, and intangible losses, like pain and suffering and loss of enjoyment of life. Unfortunately, way too many Minnesota drivers are out there on the roads without legally required liability insurance.

Even if the at-fault driver does have insurance, it’s often not enough to cover your losses. If you purchase underinsured motorist coverage, it provides an additional line of insurance coverage above and beyond the at-fault driver’s insurance. If you’re hit by a vehicle while you’re on a motorcycle, you are almost certainly going to be taken by ambulance to an emergency room. If you have severe injuries, your medical bills can exceed $50,000.00 within hours. Minnesota requires drivers to carry a minimum of only $30,000.00 in liability insurance. The defendant driver’s insurance may not even be enough to cover your emergency room visit.

It’s also important to note that the no-fault, uninsured, and underinsured insurance you have on your car will not provide coverage for injuries sustained while you’re on your motorcycle.

If you or a loved one was injured as the result of a motorcycle accident, contact Meuser & Associates at 877-746-5680 or click here to send us an email to schedule a free consultation with one of our lawyers.

Visit Minnesota Workers' Compensation and Personal Injury Law Firm, Meuser & Associates, P.A., at MeuserLaw.com

Travel With Care on Holiday Weekends: Several People Killed or Injured on Minnesota’s Highways Over Easter Weekend

According to the Star Tribune, several accidents on Minnesota’s roadways caused a number of deaths and serious injuries over Easter weekend.

Sadly, on Sunday, in Scott County a pregnant woman was injured and suffered a miscarriage when the vehicle she was riding in was broadsided by a pickup truck. The pickup truck failed to yield at the intersection of 220th Street and Highway 13. The driver of the car and the pickup truck driver also suffered minor injuries.

Two more people were killed, and two were seriously injured in a two-car collision on Saturday night near Waubun in Mahomen County, when one vehicle struck another vehicle head-on on Mahomen County Road 2.

In Wright County, a 45-year old man was killed when his motorcycle struck a road sign while traveling west on County Road 106. Another Minnesota motorcyclist was killed on Friday in Pierce County, Wisconsin, when he was thrown from his motorcycle on Highway 29 near River Falls.

Three more motorcyclists were injured Saturday afternoon in Minnesota in Pierce County, near Elmwood. One motorcyclist hit a truck when he lost control of his motorcycle while going around a sharp curve and crossed into oncoming traffic. As he made his way back into the southbound lane, he was hit by another motorcycle. All three motorcyclists were taken by emergency transport from the scene.

Our thoughts and prayers go out to the victims of these crashes and their families.

As Memorial Day and Fourth of July quickly approach, it’s critical to use extra caution on Minnesota’s roadways during busy holiday weekends. Here are a few simple, yet powerful things that can decrease your odds of being involved in an accident:

Pay attention. Inattention is one of the leading causes of accidents. Inattention can be caused by many things, including daydreaming, distractions, sleepiness, fatigue, “highway hypnosis,” cell phone use, talking, etc. Paying attention allows you to see, recognize, and avoid potential hazards. Do your best to actually concentrate on what you’re doing while you’re driving, and you’ll be much more likely to see and be able to react to dangerous conditions.

Keep an eye on the other guy. We all make mistakes on the road. Don’t assume that the car next to you won’t make an error. Try to anticipate mistakes other drivers might make to allow yourself a chance to react if a driver does make a mistake. Always allow yourself plenty of braking distance between cars.

Yield anyway. If in doubt, yield. It’s better to be safe than sorry. Remember, no one actually HAS the right of way, until that right of way has been given. It’s not the principle of who should yield, but a safe outcome that matters.

For more good tips on driving safe, visit Roadtrip America’s 70 Rules of Safe Driving.

If you or a loved one has been involved in a serious car accident, you should speak with an experienced personal injury attorney. When you’re trying to recover from your injuries, trying to get back to work, and trying to put your life back together, dealing with insurance companies is the last thing you need to worry about. We can help you get the compensation you deserve. To schedule a free, no-obligation consultation with one of our attorneys, call us at 877-746-5680 or click here to send us an email.

Visit Minnesota Workers' Compensation and Personal Injury Law Firm, Meuser & Associates, P.A., at MeuserLaw.com

Use Your Head: Wear a Helmet

Some recreational activities, such as riding horse, skiing, snowboarding, riding bicycle or riding motorcycle, carry with them an increased risk of traumatic brain injury should an accident occur. The single best way to prevent catastrophic brain injuries as the result of an accident is to wear a helmet.

Dr. Marvin Zelkowitz, a board-certified neurologist at Ingalls Memorial Hospital, notes in the SouthTown Star that "In my 30 years as a neurologist, I have seen every type of head injury imaginable, from mild to fatal. Wearing a helmet can help reduce serious head injuries 50 to 80 percent of the time."

Helmets provide two types of protection, Dr. Zelkowitz said. "They're best at preventing penetrating injuries, but they also absorb quite a bit of force."

In order to choose the right type of helmet, one must keep in mind that different activities require different types of helmets. For example, you shouldn't wear a bicycle helmet while skiing and vice versa. Visit the Consumer Product Safety Commission’s Website or the Snell Memorial Foundation, which independently tests all types of helmets to learn more about choosing a helmet. Design and fit are the most important safety features of any helmet. They should be comfortable and snug. A helmet should be centered on the top of the head and the strap should always be buckled.

Helmet use is particularly important for children. As many as 75% of bicycle-related deaths among children could be prevented by the use of a bicycle helmet. To encourage regular helmet use, adults should serve as role models for their children and wear helmets as well.

Despite best intentions, injuries still do happen. The risk of head injuries or traumatic brain injuries is highest among men ages 15 to 24. Fortunately, most head injuries are relatively minor, but for half a million Americans every year, the injuries are severe enough to require hospitalization. For safety’s sake, anyone who has suffered a blow to the head should seek medical attention. If you experience convulsions, slurred speech, weakness or numbness in the extremities, dilation of one or both pupils, vomiting, severe headaches, confusion or agitation, you should seek emergency medical attention. The initial period of care following a brain injury is critical. Emergency care for traumatic brain injury focuses on preventing permanent and serious brain damage.

If you or a loved one has suffered injuries as the result of a bicycle or motorcycle accident, contact Meuser & Associates to learn about your rights under Minnesota law. For a free, no-obligation consultation, call us at 877-746-5680, or click here to send us an email.

Visit Minnesota Workers' Compensation and Personal Injury Law Firm, Meuser & Associates, P.A., at MeuserLaw.com