Archive for the ‘Motorcycle Insurance’ Category
February 15th, 2010 | 
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With the ever-increasing number of motor vehicles on the roads today, it is no surprise to find that car, motorcycle and truck accidents are a leading cause of personal injury. It has often been said that individuals are more at risk for becoming injured while driving rather than flying, and as their are more individuals on the road each year, this appears to quickly becoming the dangerous truth.
Many of these accidents could have been prevented if traffic laws and common sense had been observed. Drivers who cause accidents — while under the influence of alcohol or drugs, by driving recklessly, falling asleep at the wheel, talking on a cell phone, or otherwise being distracted — can be held liable.
Automobile accident cases can range from accidents involving modest injuries to those in which death and catastrophic injuries are the result. Cases may also involve suing the client’s own Insurance company or uninsured and underinsured motorists — when the responsible party either has no insurance or not enough insurance to pay for the damages caused.
Often, the most devastating injuries occur when trucks are involved in an accident. It is important for attorneys to be knowledgeable of state and federal regulations governing the conduct of truck drivers, as well as the condition of their vehicles.
Automobile and truck accident cases also may involve other complex issues including dangerous highway design, dangerous design of an automobile or truck, and liquor liability claims against bars that serve drivers to the point of intoxication. These cases may involve multiple defendants including state and local governments, a state’s department of transportation, and automobile manufacturers.
Liquor Liability and Automobile Accidents
Liquor liability involves bodily injury or personal damage in which a person or business can be held responsible for causing or contributing to the intoxication of a person; furnishing alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or violating any statute, ordinance, or regulation relating to the sale, distribution, or use of alcoholic beverages.
As many automobile accidents involve the use or misuse of alcohol, liquor liability holds those parties who have provided alcohol to those already intoxicated or those under the legal drinking age responsible for their actions.
If you have been involved in an automobile accident and have suffered injury, you may have a legal case. To learn more about automobile accidents and liquor liability, or to protect yourself from these, it is advisable to speak with an experienced law firm.
Katie Kelley
http://www.articlesbase.com/cars-articles/automobile-accidents-become-everincreasing-443087.html
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Mobility scooters are a boon for those less able to get around – but how do you know which is the right one for your needs? Below are ten tips to help you choose and to help ensure your safety.
1. If you’ve never driven a car, or ridden a bike or motorcycle – or if it’s a while since you drove anything on the road – it might be a good idea not to choose a model designed for road use. After being a pedestrian for a while, road sense can be difficult to re-acquire – and for those who have never driven, it may prove much more difficult than you think. Instead, stick to a model designed for use on footpaths, pedestrian areas and sidewalks.
2. Reputable suppliers shouldn’t just supply you a scooter without checking out some facts about you. These include your general state of health, hearing, upper body strength and if you’re on any medication that might affect your ability to control the scooter. They’re not being intrusive – these questions are important for your safety. If a prospective supplier doesn’t ask you these sort of questions, consider looking elsewhere.
3. Smaller scooters lack the seating comfort and suspension of larger models. It’s worth considering this point if you have back problems or suffer from a condition such as arthritis that can make joints painful when jarred. Don’t forget also to check that your scooter will fit in your car – and it’s not too heavy to be lifted by the person who is going to put it there.
4. Always ask about sales backup. Good suppliers will have a comprehensive after-sales service to help you get mobile again shoud your scooter have any mechanical or electrical problems. Again, if service isn’t offered or is unavailable it may be wise to take your business elsewhere.
5. If you are out on your scooter during the hours of darkness make sure you can be seen, particularly if you have a road-going model. Some have integral reflectors and all road models must have lights. Ask the supplier if there are other visual aids available for your scooter – be seen and be safe.
6. Check out what additional storage aids are available for your scooter. Many people use them to do a considerable amount of grocery shopping – and hanging heavy bags from the control handle simply isn’t safe! The supplier should be able to provide a full list of baskets and holdalls available for the model that you’re interested in.
7. Always check the small print in warranties – especially if you’re going to buy a second-hand scooter. If there are a lot of ‘exclusion’ clauses be wary. A major mechanical problem not covered by warranty may well cost more to put right than the scooter’s value. A good company will have a customer charter explaining in plain language just what is and isn’t covered by warranty.
8. Your scooter should be supplied with an owner’s manual detailing routine maintenance tasks. These are typically simple and straightforward and easily accomplished by the owner. If you think you may not be able to accomplish them, ask your dealer if they can arrange this. Always remember to keep the battery charged!
9. Always consider how far you may need to go on your mobility scooter. Models have differing ranges of operation and it can be embarrassing – and dangerous – for your scooter to grind to a halt a mile from home! Always ask the dealer for a realistic travelling range for the model you’re interested in – and don’t forget that as batteries age this figure will be slightly reduced.
10. Don’t forget insurance! Check local statutes regarding this. In some areas insurance may not be required but, if it is, it all adds to the cost of your scooter in real terms. Even if Insurance is not required by law, have a chat with a legal advisor to check your position in the event of any accident. This requirement may also affect your choice of model and is a point many people overlook.
Most dealers are perfectly reputable and their interest lies in supplying the model for your needs. Take your time when purchasing and don’t be rushed – you’re going to have your scooter for a while. Take a test drive, too – most dealers will happily let you do this. Scooters are a great aid to mobility – make sure yours is right for you and you’ll soon wonder how you managed without it!
Steve Dempster
http://www.articlesbase.com/health-articles/mobility-scooters-ten-tips-on-choosing-the-right-one-for-you-79759.html
My recent decision to buy a car was not really a voluntary one. I had a small accident in which my almost 20 years old Honda Accord was promptly written off. With such an old car even a small bend and broken headlight is already too expensive to repair, so the insurance decided they better give me $1,500, which was actually a good deal. But it left me without a car.
So shopping for car was in order. This was certainly an undertaking given that I haven’t been following up on cars at all for about 8 years since I bought Honda Accord. I like driving, and do like good cars, I even like fixing the cars to some extent, but I’m no real enthusiast. I don’t read articles on cars; I don’t buy auto magazines or go to auto shows. I also usually do not start a conversation about latest models and features. Similar to a presidential candidate who is seriously “on top of things” only during the campaign — once elected, the interests and priorities change a bit.
Anyhow, I knew I had to do some extensive research in order to be happy about what I’m about to buy. So I did that, and the amount of new information I’ve gathered was even larger than I expected. You know, today’s cars are completely different things than those from 15 or more years ago. Features that did not even exist before became my main focus and motivation.
I spent several days online, just reading whatever I could find. And good thing is that all the car makers have very comprehensive websites where you can find all the information you need including the prices. It actually turned out that the prices I got off of these websites matched perfectly what I got in the dealerships — and that is with all the additions like taxes, AC fee, delivery fee, pre-delivery inspection fee (PDI) and such.
I also read other sources, mostly looking for experience of other people. There are a lot of good resources on the Internet, just do a search and you’ll find whatever you’re looking for — there is so much out there. Some of them I found useful are:
Car Buying Tips: http://www.carbuyingtips.com
An excellent website with the world of information about every aspect of car buying process. It will save you some headaches too.
Edmunds: http://www.edmunds.com
Sort of a “traditional” auto portal. Also covers all aspects of the topic — from prices to safety. And, I’ve heard dealers refer to this site.
MSN Autos: http://autos.msn.com
Another general auto portal. I used it a lot when I was comparing specific features of different models — it has a handy comparison little tool.
Automotive.com: http://www.automotive.com
Automobile: http://www.automobilemag.com
These two are also general portals, and I used them mostly to find specifications of older models including my Accord ‘89 for comparison with the new models.
After a few days I arrived to a set of features that I’d like to have:
New car
Or almost a new car. Before I had time to maintain and work on a car myself, but now, with the family and two small kids, I don’t even have the time to think about the car, let alone do some work. And even having a good mechanic is not sufficient. With an old car, there is no mechanic that can guarantee anything — you have to simply accept that you’ll have unexpected problems. Before I was able to take that responsibility, but now, with a family and no time, I can’t. So I needed not only a problem-free car, but also a concern-free car.
Make
I drove domestic, Japanese and German cars before, and thought I’m going to go with Japanese once more. I thought that would give me better probability of a hassle-free car for a good price. I did question this decision during the research, but in the end I stuck to it.
Safety
With the recent car accident I wanted safety above all. Even in a small accident like the one I had, you get to experience very strongly how utterly unprotected we all are on the road. You absolutely don’t need a lot to get killed or injured. And nobody really has to make any mistake, let alone big mistake. One small, almost negligible thing happens, and there you are in a blaze of events ending with a crash.
The guy in front of me stopped short and I was fraction of a moment late to react and kicked him a bit. Not too much — his car didn’t suffer almost any damage except some scratches and dirt on the bumper. But then I started thinking “what if…” thoughts. It was fairly steep downhill, and if it were raining…! If there was a motorcycle in front of me instead of a mini van… If I was going faster and for some reason in a spur of the moment decided to avoid him by switching to other lane (full of cars)… If all of those things happened together… Even now when I think of those things, my stomach aches.
And then later while researching crash tests scores I watched official crash tests videos on the internet. Boy, I would recommend everyone to see at least one or two of those videos — you’ll get much more realistic picture about driving in a car. There are two organizations that perform crash tests and on their websites you’ll find the safety information for many models:
National Highway Transportation Safety Administration (NHTSA): http://www.safercar.gov
Insurance Institute for Highway Safety (IIHS): http://www.iihs.org
The information on these websites is very educative and complete. It contains the descriptions of the tests, the results for many models and the video clips. You can also find a lot of general info accumulated in the years of research in this area. For example — what is the impact in front, side or rear crashes, how does impact differ for front and rear passengers, how to protect your children, the implications of increasing number of large vehicles (SUVs in particular) on the road (you better buy a bigger car yourself), etc.
The tests videos can also be found (even more of them) by doing a search on the web. A lot of them are posted on YouTube.
So I figured I wanted air bags — not only front ones, but also side and particularly curtain ones that protect rear seat passengers. The side and curtain airbags are not mandatory and they are not standard equipment. Some of the models do not have them even as an option.
ABS (Anti-lock Brake System) was also a must — I hate sudden stops, and if it’s raining or snowing, ABS can help a lot.
Other safety features like active stability control, traction control, active head restraints, car body designed to absorb the impact were also very desirable.
In the end AWD (All Wheel Drive) was something to consider as well.
Space
This was a tricky one. I had controversial requirements. Most of the time we need a small city car — going to work, driving small kids to school, shopping, etc. Only sometimes we’ll go for a longer vacation trip when we need larger trunk. Only sometimes we’ll have parents, relatives or friends visiting when we need at least enough space in the back for two car seats and one or more adults. Only sometimes I’ll need to carry a piece of smaller furniture or such. So should I buy a minivan if 95% of the time it will practically be empty? Or should I buy a small car and not be able even to go for a picnic? This question is actually even now, after I bought the car, still unresolved. Time will show how well I did on this.
Convenience
I did not need or even want things like sun roof, leather seats, body collared and heated mirrors, spoilers and such. Even power this or that wasn’t important to me although I’ve learned that these days a number of even basic models include power options to a good extent. So I figured, I’ll accept it if I have to, what can I do.
Fuel Economy
Very important. Gas prices are going up and the oil wars are going on — need say no more. And over the years that you own a car it adds up. It is actually an excellent idea to calculate the total cost of the car over a number of years (including gas, insurance and other maintenance costs) and use that figure when making the decision. So I wanted the best fuel economy possible — another controversial requirement.
I was actually hoping I’ll find a good diesel car, but in Canada there aren’t many of those since we have pretty high emissions standards so some of the good diesel cars do not qualify. And that is too bad. I rented small VW Polo a few months ago in Europe, and drove 900 km with 1.5 tanks! By specs it spends 4L/100km!! That’s a money saver. And it actually produces such a nice feeling of independence — you drive and drive and drive, and then drive some more, and the tank is still full. So sweet!!
With all these requirements I set off to dealerships one nice weekend. I figured I’ll just go to an auto mall, and browse. I figured later this was really not the best way to approach things. After a whole day of looking at cars and test driving them, you get pretty tired and they all look the same at the end of the day. And after doing that for two whole days I got sick of cars and didn’t want to buy one at all! But on the other hand I did collect a lot of information, and got the first impressions about driving them. Then I let that settle for a while and in the meantime explored options of buying a used car, buying one down-south in US, or in a dealership far away from the city where I could get a better price. Then, of course, I also needed to figure out the best way to pay for the car. Boy, this all takes time. It’s a full-time project. But in the end I had my options laid out and made a decision.
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Read the rest on following pages:
Michael Thornessen
http://www.articlesbase.com/automotive-articles/a-car-buying-story-part-one-why-and-what-227540.html