Motorcycle accidents are among the most detrimental motor vehicle accidents. They often result in very serious and oftentimes fatal injuries. The federal government estimates per mile traveled in 2013, the number of deaths on motorcycles was over 26 times the number in cars, according to the National Highway Traffic Safety Administration. This is because motorcycles lack the protection of an enclosed vehicle so their riders are more likely to be injured or killed.
Motorcycle accidents are often the fault of the automobile driver rather than the fault of the motorcycle driver. Automobile drivers are faced with many more distractions are not always alert to the presence of motorcycles sharing the road. Given the dangers associated with operating a motorcycle, it is imperative that riders of motorcycles obtain substantial insurance coverage. Your insurance policy options must be carefully selected in terms of the amount of Medical Payment Coverage, Uninsured Motorist Coverage (UM) and Underinsured Motorist Coverage (UIM).
Medical Payment Coverage will cover a portion of your medical bills, depending on what your limits. Motorcycle accidents often lead to enormous medical expenses for those. If you are involved in an accident and the at-fault driver doesn’t have insurance for their vehicle or if you are injured by a hit-and-run driver, then UM coverage will step in and provide you with coverage for your injuries. If the at-fault driver’s insurance policy limits are not enough to fully cover your medical bills, then your UIM coverage can step in and cover the difference so long as your UIM limits are greater than the limits of the at-fault driver’s bodily injury limits.
Motorcycling is a dangerous activity and ensuring you have the proper insurance coverage is just half the battle. Below are some tips to help you stay safe and avoid risks:
Choose the Right Bike for You
Choose a bike and model that you can handle. Make sure that it is easy for you to get on and off the motorcycle and you are able to have both feet flat on the floor when sitting on the motorcycle.
Get Antilock Brakes
Antilock brakes is a smart investment. Consumer reports shows that motorcycles equipped with antilock brakes were 37% less likely to be involved in a fatal crash than motorcycles without brakes.
Wear A Helmet
Illinois is one of the few states that does not mandate motorcyclist wear a helmets. That being said, head injury is a very common injury among motorcyclists. Helmets deteriorate over time, so you should replace your helmet at least every five years.
Be Aware of Other Vehicles
Be alert as to other drivers on the road. Keep a safe following distance to ensure you have enough distance if you need to make a sudden stop and to avoid any obstacles that you may encounter on the road.
The Chicago motorcycle accident lawyers at Stein & Shulman LLC know that being in a motorcycle accident can be an extremely traumatic experience and are here to help you ascertain whether you have available recovery options that can be pursued. If you were injured in a motorcycle accident call our office for a free consultation. Our experienced lawyers will skillfully ensure the best possible outcome of your case. Our phone number is (312) 422-0500 and it is free to call and speak directly with one of our motorcycle accident attorneys.