The Importance of Motorcycle Insurance in Illinois

The Chicago motorcycle injury attorneys at Glen Lerner discuss the importance of having motorcycle insurance in case of an accidentEveryone who gets into a vehicle is at risk of being injured in a motor vehicle accident. But for those who jump onto a motorcycle, the risk is even higher. According to national statistics, only 3 percent of all motor vehicles registered in the United States are motorcycles, yet 15 percent of all fatal accidents that happen each year involve motorcycles. And for those motorcycle accident victims who are fortunate to survive the crash, there is often serious or severe injuries which have been sustained that involve long recovery and may even leave the victim with permanent disabilities. The disproportionate risks highlight the importance of motorcycle insurance in Illinois.

Under Illinois law, it is mandatory for every vehicle owner to have insurance coverage in the event they are in an accident. The minimum insurance required under the law is:

  • Injury or death of one person in an accident: $25,000;
  • Injury or death of more than one person in an accident: $50,000; and
  • Damage to property of another person: $20,000.

Although $25,000 may seem like a lot of money, it is important to keep in mind that most injuries sustained in motorcycle accidents are typically serious ones that require expensive and long-term medical treatments. That $25,000 could be quickly maxed out, leaving a seriously injured motorcycle accident victim still facing overwhelming medical bills.

Another factor to consider is that, unfortunately, not everyone follows the law and there are far too many vehicles on Illinois roads that are not insured. Although the state may penalize that driver for not having insurance, that will not help the injured victim.

Since motorcycle riders face a higher risk of being in an accident, it only makes sense that they also run a higher risk of being in an accident caused by an underinsured or uninsured driver. This is why it is so important to have motorcycle accident insurance to not only cover damages if they are at fault in an accident but should also consider purchasing uninsured/ underinsured motorist coverage. If you are in a crash and the at-fault driver does not have coverage, then that insurance policy should cover your damages.

Dealing with underinsured or uninsured motorcycle accidents can be complex. This is why it is always in the best interest of the victim to let a skilled Chicago motorcycle accident attorney advocate for them and deal directly with the insurance companies, allowing the victim to be able to focus on their recovery.

The Importance of Having Motorcycle Insurance in Nevada

The Las Vegas motorcycle accident lawyers at Glen Lerner injury attorneys detail why motorcycle insurance is so important.The state of Nevada requires motorcycle insurance for all motorcycles registered in the state. This insurance covers damages should the motorcycle driver be found at fault in the event of an accident that injures other people. However, it does not protect the motorcyclist if they are injured in a crash. There are certain accident scenarios that could arise that amplify the importance of motorcycle insurance in NV.

The minimum mandatory vehicle liability insurance the state requires is $15,000 per person/$30,000 per accident. However, when you consider that the majority of motorcycle accidents leave the driver and passenger on a bike seriously injured, that amount does not seem nearly enough. Many accident victims face months of recovery and rehab, racking up thousands of dollars in medical bills, as well as loss of income from being unable to work. If the at-fault driver only has the mandatory minimum coverage of $15,000, where does the victim turn for the balance of financial damages they have suffered?

Another common scenario that plays out often in accidents is that, although it is against the law to drive a vehicle without insurance, there are far too many people who are driving uninsured vehicles. Some of those drivers may be doing so unintentionally, not realizing their insurance has lapsed, however, there are a great many uninsured drivers who, for whatever reason, have chosen to break the law.

Regardless of the reason, if you are in an accident and the at-fault driver has no insurance, you have no place to file your claim to recover damages. This is why motorcycle drivers should consider purchasing underinsured/uninsured (UIM/UM) insurance.

Although UIM/UM does not cover property damage, it will cover your medical expenses, lost income, and pain and suffering. Once your expenses exceed the amount of insurance coverage the at-fault driver has, then the UIM/UM clause in your policy will kick in. Here is how it works:

Driver A has $20,000 UIM/UM insurance. He is injured in a crash caused by Driver B. Driver B only has $15,000 in liability insurance. Driver A’s total expenses are $30,000. Driver A would receive $15,000 from Driver B’s insurance company and $15,000 from his own insurance company to cover his damages.

Although the above seems like it would be an easy claim to process, insurance companies are notorious for attempting to minimize damages or try to blame the motorcyclists for the accident in order to deny the claim completely. This is why anyone who has been injured in a motorcycle accident should contact a seasoned Las Vegas motorcycle attorney for a free case evaluation.

Why Most Motorcycle Accidents Happen in Intersections in Nevada

The Las Vegas motorcycle accident lawyers at Glen Lerner injury attorneys detail why accidents involving motorcycle most commonly occur at intersections, and the precautions you can take to stay safeThe very thing that many motorcycle enthusiasts love about riding – the freedom of not being enclosed in a vehicle – is also the very thing that makes motorcycle riding dangerous in the event of an accident.

People who are on a motorcycle when it is hit by another vehicle are not protected at all and, depending on how hard the collision impact is, many riders are thrown from the bike when they are hit, sustaining serious injuries. One of the most frequent locations of motorcycle crashes are intersections.

Examining why most motorcycle accidents happen in intersections in Nevada and other states across the country may help decrease the risk a motorcyclist has of being a crash victim.

One of the most common causes of intersection motorcycle crashes is another driver who runs a red light. This can happen because the other driver is trying to get through the intersection before the light actually changes to red or the driver just is not paying attention and does not realize the light is red.

Another common cause of intersection motorcycle accidents is impatient drivers. We have all seen the driver who is supposed to be stopped at a red light, but instead, they keep creeping their vehicle ahead.

Not only does this action not make the light change any quicker, it causes a dangerous situation for a motorcycle traveling in the lane that has the green light. If the creeping vehicle moves out too far into the lane, the motorcycle could end up driving right into the vehicle causing personal injury.

One of the most frequent – and often fatal – causes of intersection accidents is when a vehicle is taking a left-hand turn and either fails to yield to the motorcycle traveling in the other direction or fails to see the bike.

A vehicle that suddenly slams on their brakes at an intersection is another factor that causes intersection motorcycle accidents.

It is much more difficult for a motorcycle to come to a sudden stop, so when a vehicle in front of them stops without any warning, the danger to the motorcyclists is slamming into the back of the vehicle and even flipping over the top.

If you or a loved one has suffered injuries in a motorcycle accident, contact a skilled Las Vegas motorcycle attorney to see what legal options you may have.

Why Most Motorcycle Accidents Happen in Intersections in Illinois

The Chicago motorcycle accident lawyers at Glen Lerner discuss  why accidents most commonly occur at intersectionsMotorcycle accidents are one of the most dangerous types of vehicle accidents to be in and can leave motorcyclists and their passengers with serious – often severe – injuries.

The lack of any kind of protection around the bike leaves people on them totally vulnerable to any type of collision. One of the most common places motorcycle accidents occur at is intersections.

In order to help decrease the risk of an accident, we must first ask why most motorcycle accidents happen in intersections in Illinois and elsewhere.

In the majority of motorcycle accidents, the other driver is usually found to be at fault. When these accidents occur at intersections, there appear to be frequent factors which caused the crash. These factors include:

  • Vehicle driver attempting to “beat a red light” keeps driving through the intersection after the light has already changed;
  • Vehicle driver attempts to take a left-hand turn without yielding to traffic coming in the other direction;
  • Vehicle driver fails to see the motorcycle because of blind spots or another vehicle is blocking the driver’s view;
  • Vehicle driver does not realize motorcyclist is stopped at light or stop sign and hits the motorcycle from the rear;
  • Vehicle driver is engaging in distracted driving behaviors; or
  • The vehicle driver is under the influence of alcohol and/or drugs.

Although it is important for motorcycle drivers to stay alert and aware of other vehicles around them at all times, it is especially critical to their safety to be extra vigilant when approaching an intersection.

It is not uncommon for insurance companies to try to blame the motorcyclists for intersection accidents, even when it is the other driver’s faults.

This is why anyone who has been injured in a motorcycle crash should contact a Chicago motorcycle accident attorney immediately following an accident in order to ensure that you receive the damages you may be entitled to for the injuries sustained in the crash.

Must-Have Safety Gear when Riding a Motorcycle

the Chicago motorcycle injury attorneys at Glen lerner discuss the safety gear that you should wear to prevent motorcycle accidentsOne of the most exhilarating parts of riding a motorcycle throughout Chicago is the feeling of being part of the scenery instead of just viewing it through a glass window.

But that wide-open feeling also leaves both motorcycle drivers and their passengers at a high risk of serious injury in the event they are in a motorcycle accident. This is why it is so important to don certain safety gear every time you jump on that bike. The following are the must have safety gear when riding a motorcycle:

Helmet

Even a minor head trauma can end up causing long-term and serious health issues. It is critical to wear a helmet, even though Illinois does not have a helmet law requiring riders to wear one. Ideally, the helmet you choose should be a full-face one. Watch out for helmets which are not approved by the Department of Transportation, as these may not provide the protection a helmet should. A certified helmet will have a DOP approved sticker.

Motorcycle Jacket

There is a definite drop in temperature when you are on a motorcycle. A secure motorcycle jacket will not only help protect you from the cold and other elements but also protect your body from burns and rash if you do take a spill off the bike. Look for jackets which have a “CE” rating. Motorcycle jackets are specifically designed to block the cold air. They are usually vented to allow cool air when the temperatures are high. These jackets also have double-stitched seams, which help keep them from ripping open in an accident.

Motorcycle Pants

Just like motorcycle jackets, the pants you wear should also have a CE-rated armor, protecting the hip, knees, and shins. Jeans are not enough to protect a rider in the event of a fall. The denim will just shred, exposing the skin to burns, often right down to the bones.

Leather Gloves

When a rider is in a motorcycle accident, they are often flung off the bike with a strong force. The first reaction of a person in this situation is to hold their hands in front of them. Leather gloves are an essential piece of riding gear since they will protect your hands and fingers from burns, breaks, and even possible amputation.

Motorcycle Boots

Motorcycle boots protect the many small bones in your feet if you are in a motorcycle crash. The boots you wear should be at least over the ankle. Boots should have non-skid soles, and ideally, also have metal plates as an added protection.

Chicago Motorcycle Accident Attorney

If you are involved in a motorcycle accident and sustain injuries, contact a skilled Chicago motorcycle accident attorney for a free evaluation of your case and advice on what legal recourse you may have.