Motor Vehicle Accidents

Carrying sufficient Uninsured and Underinsured coverage on your motorcycle and personal vehicles is less obvious, but just as critical, as having health insurance coverage.

After ensuring that your health insurance policy, will cover any medical treatment for injuries suffered in a crash, check your own vehicle policies to be sure you have sufficient liability, uninsured, and underinsured coverages on your bike and personal vehicles.


Continue Reading Uninsurance and Underinsurance for Motorcycle Riders

Motorcycle riders: please review your health insurance coverages!

Before we ride, we often do a safety check of our bikes. We check brakes, lights, signals, tires, and gas. We make sure the bike is safe before we, and our passengers get on.

What is just as important, but less obvious, are the insurance coverages you should have. I strongly recommend that you make sure you are well protected by your own insurance policies. Having excellent health insurance to cover any medical bills will ensure you are not left owing substantial bills you incur from treatment following a crash.


Continue Reading Health Insurance for Motorcycle Riders

What is the Self-Drive Act?

On September 6, 2017, the House of Representatives passed a bill intended to ease self-driving cars onto the roads, changing federal rules for safety and vehicle testing.

Under the Safely Ensuring Lives Future Deployment and Research In Vehicle Evolution Act, or Self Drive Act, the U.S. Department of Transportation (DOT) would be required to develop a new set of safety rules for autonomous cars. The bill would exempt autonomous cars from certain federal safety rules in favor of new ones promulgated by the DOT. The legislation seeks to ensure the safe, innovative development, testing, and deployment of self-driving cars. The act would also provide more opportunities for research and development.

Under the Act, the Department of Transportation would develop a new safety certification process to set standards governing self-driving car automakers. The DOT would develop and implement a long-term rulemaking plan for self-driving car testing and deployment on roads.


Continue Reading Self-Driving Car Bill Passed by House – Will Federal Law Pre-empt State Law for Self-Driving Cars?

You’re meeting friends for dinner and without a second thought pull up your ridesharing app (such as Uber or Lyft). To save a few dollars, you opt for the company’s shared ride service. The company offers this cost-saving option to allow multiple passengers – who do not know each other – to share rides.

The car pulls up as scheduled and you get in. The other passenger looks at you intently and ignores your attempt at conversation. Then, at a stop light, he pulls out a gun and robs you. When you resist, he pistol whips you repeatedly. Now you’re dazed and bleeding, your cell phone and wallet are gone and you’re left wondering what to do.

Sound farfetched?


Continue Reading Should You Share Your Rideshare?

Your car breaks down. You call a tow truck and a ridesharing service. The car pulls up and you get in. The driver seems a bit disheveled but you brush it off because you are in a hurry to get to a meeting. After you’re on your way, the smell of alcohol is unmistakable and suspecting the driver is drunk, you tell him to pull over. Before he can do so, he rear-ends the car in front of you, opens the door, and takes off running. Now, you’ve got a gash above your eye and you’re stranded. To make matters worse, when you get out of the car to call the police, someone steals your laptop from the backseat.
Continue Reading Do You Know Who Your Uber Driver Is?

Your plane just landed in Newark and you open your ridesharing app to arrange for a ride. A few minutes later, the driver texts you that he has arrived. You have his photo, license plate number, and description of the car and you spot him as soon as you step outside. All is well. You get into the car and suddenly a van rear-ends the ridesharing car. You’re injured. Now what? Who will pay your medical bills?

New Jersey legislators recently addressed that question. Under the newly enacted Transportation Network Company Safety and Regulatory Act, drivers and the ridesharing companies that employ them must meet certain insurance coverage standards.

The new law provides for $1.5 million in coverage under certain conditions as explained below.


Continue Reading What Happens if my Uber or Lyft Driver Has an Accident?

Summer is almost here! Do you know where your kids will be going? Amusement parks, day camp, swimming pools, lakes, the shore, grandma’s – the list of fun things to do is almost endless.

But if they are getting in a car – don’t forget to check on car restraints. Are there enough age appropriate car restraints in the car for all of the children who are going on the trip? Ask and check. Before your child rides in a car, ask the driver if he or she has the appropriate car restraints. If need be, install your child’s own car seat in the car. Never allow a child under 13 years old to ride in the front seat unless the air bag is deactivated. If they are old enough, talk to your kids about not getting into a car without appropriate child safety restraints.

Why is this so important? Because between 2010 and 2014, 2,885 children died in motor vehicle accidents in the United States – and almost half of them (43 percent) were not wearing seatbelts or were improperly restrained. Another 15 percent were sitting inappropriately in the front seat.


Continue Reading Are Your Kids Taking a Summer Vacation from Car Restraints?

Red light cameras have become a hot topic in many states. Some people view them as a safety measure, whereas others view them as only a moneymaker for municipalities. Even still, others view them as unwanted governmental intrusion into citizens’ private lives. As a result of the criticisms raised over the cameras, some states have opted to turn them off.

As some states have started to turn off the cameras, new research from the Insurance Institute for Highway Safety indicates that turning off red light traffic signal cameras actually costs lives. The Institute’s research shows that red light programs in 79 large U.S. cities saved nearly 1,300 lives through 2014.


Continue Reading Can Red Light Cameras Actually Save Lives?

If you think you think you can drink heavily all night and be okay to drive in the morning you may end up seriously injuring someone on your way to work. And if you are the bar or restaurant that served that drunk driver, you remain open to liability lawsuits. Worse than either of these is the result for innocent drivers who are caught in the ensuing accidents from “morning-after” drunk drivers.

Continue Reading Morning-After Hangover Accident Results in Judgement Against Driver & Night Club