The copy of earlier insurance policy effectively owns the car until the designated proprietor or driver of the vehicle. There is an app for Apple and the.

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Recovering Damages from a No-Helmet Motorcycle Accident THIS IS AN ADVERTISEMENTInjured?
For example, I handled a personal injury claim wherein a good friend of mine was recently involved in motorcycle wreck wherein the at-fault driver fled the scene of the automobile accident. In this case, the problem was that the motorcyclist only had $25,000 of uninsured motorist coverage on his motorcycle. As a personal injury lawyer, I need to assess how and where to recover for my client's personal injury claim when a motorcycle wreck has happened.
The laws of Kentucky and Indiana only require that a person have $25,000 per person in insurance coverage.
Kentucky is what is known as a pure comparative fault state while Indiana is what is called a modified comparative fault state. More than automobile accidents, I really hope that if you were injured in a motorcycle accident you will contact me very soon after the accident. An accident reconstructionist can be very expensive so the injuries from the motorcycle wreck have to justify the expense. While there is still evidence on the roadway and while the vehicles can still be located, we want to consider whether an accident reconstructionist can help us and is worth the expense. While all personal injury cases are different, I previously I handled a case for an automobile accident that occurred on a small back road in Indiana.
As a result, the first question we have to look at is can we and how do we prove fault on the other driver? If this kind of insurance coverage is not present, we might have to consider giving your doctor a lien on your personal injury claim. The statute of limitations varies according to the state law that applies as well as the type of case involved. What if the Insurance Company for my Motorcycle does not Offer the No-Fault Coverage, Uninsured Motorist and Underinsured Motorist coverage? My Motorcycle Insurance Policy Says I Have "Pedestrian PIP."  Does this Mean I am Protected? I was in a Motorcycle Accident and my Insurance Company is now Saying They Don't Owe my Medical Bills or Lost Wages. How Long do I Have to File a Personal Injury Claim from a Motorcycle Wrreck Occuring in Indiana? The statute of limitations for a motorcycle accident happening in Indiana is two years from the date of the accident. However, the at-fault driver is not going to settle any part of your claim or pay any part of your medical expenses until your entire personal injury claim is resolved. Of course, the big issue may not be how we are going to get your medical bills paid but rather, how are we going to get you the treatment you need? Yes, if you contact the Indiana Bureau of Motor Vehicles, they can provide you with a listing of the facilities authorized to provide this course.
What About Underinsured Motorist and Uninsured Motorist Coverage for a Motorcycle Accident in Indiana?
So if your motorcycle is registered in Indiana, I would suggest you have $250,000 or more of underinsured motorist coverage.
Can the Desmond Law Office, PLLC, Help if My Motorcycle Wreck Happened Outside of Kentucky or Indiana?
The advice I am giving you about no-fault insurance, med-pay benefits, uninsured motorist coverage or underinsured motorist coverage applies no matter who your attorney is!  Regardless who your attorney is or even if you decide to handle your injury claim on your own, the material about insurance coverage is great advice that applies to car wrecks, automobile accidents and motorcycle wrecks in both Kentucky and Indiana. SO WHAT INSURANCE DO YOU, ATTORNEY JIM DESMOND, AS A AN EXPERIERNED, PERSONAL INJURY ATTORNEY, RECOMMEND THAT I HAVE? I interpreted my insurance policy so that my children, even if they were riding in my ex-spouse’s car, could make a claim for uninsured motorist benefits or uninsured motorist benefits.
In one of the cases I described above, I mentioned a young lady who lost part of her leg in a motorcycle wreck.
Very simply, if you have personal injury claim stemming from a motor vehicle accident and you intend to collect underinsured motorist benefits, you have some procedural hoops that you must jump through to preserve this claim. Underinsured and Uninsured Motorist Coverage:  Buy it and Hope that You Will Never Need It!
When an at-fault driver does not carry any liability insurance on his motor vehicle, he puts more than just himself at risk. Uninsured Motorist Coverage protects you and your family when the automobile accident happens and the at-fault driver does not have any liability insurance on his or her automobile. Assume that while driving home on a Saturday night you had a motorcycle wreck with a drunk driver. Yes, you can sue the drunk driver for all your compensatory and punitive damages![7]  However, what good does it do you to obtain a Judgment (basically a piece of paper that says you are owed money) if he has no money, assets or a home that can be used to pay for your personal injury damages. I recommend that motorcyclists carry at least $100,000 of uninsured motorist coverage because for example, I have seen cases wherein the air ambulance bills alone total over $26,000.
Yes, legally your can reject this type of insurance coverage but, I would never, never, never recommend it!!!  Instead, make sure you specifically ask for this insurance coverage and never sign anything wherein you are waiving this type of automobile insurance coverage. On a side note, I pay for this extra insurance coverage by increasing the deductible on my automobile policies to $1,000 instead of $250. We have all heard the TV commercials wherein SAFE AUTO INSURANCE COMPANY advertises minimum insurance coverage for minimum budgets. Both Kentucky and Indiana law require that a car driver only carry insurance coverage in an amount of $25,000 per person and $50,000 per automobile accident. Let’s assume that you and your spouse are riding your motorcycle on Interstate 64 when another driver crosses the center line and hits your bike head-on. In the upcoming weeks you receive several other bills from the emergency room doctors, the MRI provider, for a CT scan and from the X-ray physicians. Basically, underinsured motorist coverage transfers THE RISK THAT THE AT-FAULT DRIVER DOES NOT HAVE ENOUGH INSURANCE COVERAGE TO YOUR OWN INSURANCE COMPANY. Underinsured Motorist Coverage allows me, as your lawyer, to make a claim on your behalf against the at-fault driver and your own insurance company. Kentucky law allows stacking of uninsured and underinsured motorist benefits depending upon how the insurance policy is written. Simply put, stacking refers to recovering insurance polices from more than one applicable policy. Insurance companies generally do not like stacking policies and therefore, they have now written most of their insurance policies wherein a single policy of uninsured or underinsured motorist coverage will cover any vehicle you are in.
To explain ERISA in a simple fashion, it is the law that governs the rights of health insurance carriers. Almost every health insurance plan, whether it be private, Medicare, Medicaid or state-funded, has a provision in it that says they have a right to recover the medical bills they pay on your behalf if you recover on your personal injury claim. The bottom line is for those of you who are trying to handle a personal injury claim, make sure you address the interests of the health plan.
If you’ve been involved in a motorcycle accident, whether or not you or the other driver was at fault, contact a motorcycle accident injury attorney now for a free case evaluation or to review our motorcycle accident frequently asked questions. The Kentucky State Bar requires me to say that COURT COSTS AND CASE EXPENSES WILL BE THE RESPONSIBILITY OF THE CLIENT. The Desmond Law Office is a Louisville, Kentucky personal injury firm that concentrates in motorcycle wrecks, trucking accidents, and automobile accidents.
A blown tire causes a Megabus filled with passengers to crash into a bridge support on August 3, 2012 while traveling southbound on I-55 in Litchfield, IL. A semi truck flipped over on Illinois Route 126 after a deadly crash that killed 3 teens in unincorporated Kendall County, IL on June 4, 2012. BROWNSTOWN, IL – A Springfield man was burned beyond recognition in a fiery semi truck accident on Interstate 70 in Brownstown, IL on Saturday, March 17, 2012. Brownstown exit at mile marker 68 on the westbound I-70 in Brownstown, IL where a big rig driver was burned beyond recognition in a fiery semi truck accident on March 17, 2012. CHICAGO, IL – A worker who was unloading a beer truck was killed last month when a Blue Island man suspected of driving under the influence (DUI) caused a chain-reaction accident that fatally pinned the worker against a CTA bus. CHICAGO, IL – A tour bus hit a semi truck causing a six vehicle chain-reaction crash on the Dan Ryan Expressway.

A wrecked minivan wedged up against the back of a semi trailer in a fatal semi truck accident involving a tour bus on the southbound Dan Ryan Expressway in Chicago, IL on February 23, 2012. EDWARDSVILLE, IL – A troubled semi truck driver crashed his tractor trailer into the side of the trucking company building where he worked as a driver in Edwardsville, IL, then shot himself in the head after a long standoff with police on Sunday, January 29, 2012.
On January 28, 2012 a trucker crashed his semi truck into the loading dock at the trucking company where he worked in Edwardsville, IL then caused a 10 hour standoff with police before shooting himself in the head. CREVE COEUR, IL – A semi truck jackknifed and tumbled off the top of a freeway overpass on I-474 in Creve Coeur, IL only a few miles from Peoria onto motorists on Route 29 below in a horrific accident on Friday, December 16, 2011. Fiery semi truck accident in Creve Coeur, IL on I-474 at Route 29 where a big rig trailer plunged over the edge of the overpass onto traffic below. GOODFIELD, IL – Two semi trucks collided with each other in Goodfield, IL on Thursday, October 13, 2011 spilling 20 tons of food all over the roadway. Two semi trucks crash on October 13, 2011 near Peoria, IL on I-74 about 5 miles west of Goodfield spilling 40,000 lbs of pastries and cakes and shutting down part of the Interstate for hours. Chicago police told reporters that shots were fired at a black Dodge Intrepid on the city’s South Side, causing the car to hit the westbound No. SHAWNEETOWN, IL – Two women were killed Wednesday, January 26, in a multi vehicle truck accident on a highway in Gallatin County, Illinois. One minor mechanical error can lead to one of the worst roller coaster accidents in history. There was a story at the now defunct Magic Landings amusement park in El Paso Texas that happened in 1984 about a roller coaster worker who was summoned by a park visitor to receive and return a lost baseball cap that he lost on the roller coaster.
The sign that was on the post was knocked off, and laying in the road, in front of the neighbors house. After further investigation, the police obtained that the registered owner of the vehicle was not driving, and was able to locate the driver of the vehicle. While we looked at trying to make his automobile insurance apply to the injuries sustained while he was on his motorcycle, the automobile insurance had a valid exclusion that meant it would not provide insurance coverage while he was riding his motorcycle. These assumptions will take you down the wrong road and you may end up in a lawsuit because of false expectations. You want to do everything you can to show that your personal injury claim is not their typical claim for pain and suffering. These professionals tend to be retired police officers with extensive training in regard to physics, biomechanics and how those sciences relate to a motor vehicle crash. In essence, this means that a jury could find you were 95% at fault for causing a motorcycle wreck and yet, you would still be allowed to recover 5% of your damages. This means that you cannot recover any of your damages unless the other driver bore the majority of fault for the motorcycle crash.
This means that we both agree the doctor’s charges are paid before you receive any funds from your personal injury claim. However, from a practical standpoint, your case lives and dies on the content of your medical records.
Your motorcycle is a motor vehicle and unless you are operating your bike only a private property, you need a motorcycle operator’s license.
Kentucky law requires you to have a motorcycle operator’s license before you can lawfully carry a passenger. Please read below to discover why the Kentucky or Indiana statutes put you at risk for becoming bankrupt from a motorcycle accident. This statute, as discussed above, says it is not your right but the right of the PIP carrier to recover the first $10,000 in medical expenses and lost wages. The rejection has to be filed with the Kentucky Department of Insurance and by filing it, you can recover the first $10,000 in medical expenses and lost wages from the insurance company for the at-fault driver.
Unlike Kentucky law, Indiana allows a motorcyclist to recover the full amount of their medical expenses from the at-fault driver.
As a result, if you were injured in the motorcycle accident, you have to use either med-pay coverage or your health insurance to pay for your medical bills. This is because I see a fair number of insurance policies from Indiana having liability coverage of $100,000. However, as a general rule, the answer is that the insurance coverage you buy in your state follows you to other states and that insurance policy is controlled by the law of the state it was issued. Make sure it is someone whom other attorneys respect and who would allow them to handle a claim for their own family members.
Nowadays, when a motor vehicle accident happens, people will show up at the scene or call you as they found your name on the police report. All the insurance coverage applicable at that minute the photograph is taken stays in that photograph. Also, if you live outside Indiana or Kentucky, your state still has some kind of equivalent type of insurance coverage.
I have two children and to make sure that they are protected, I have $500,000 of uninsured motorist and $500,000 of underinsured motorist coverage on my automobile insurance policy. She was a passenger on the motorcycle and the motorcycle operator had no insurance coverage of any kind. In essence, it means that the insurance carrier cannot settle one of the personal injury claims unless it can settle all of them for the $50,000 or less.
If the at-fault driver injures you, there will not be any automobile insurance to cover your damages. While it is illegal to drive a car without insurance in most states, it is a common occurrence on Kentucky and Indiana roadways. Now assume that the drunk driver did not pay the premium for his automobile insurance in a timely manner and was cancelled by his insurance company.
In short, if you don’t have this insurance coverage, you may save yourself a couple of hundred dollars a year for a huge risk to you and your family. The motorcycle accident is severe and you are both taken to the trauma center of the University of Louisville Hospital. Well stacking means that since you effectively bought three $100,000 policies of underinsured motorist coverage, you have $300,000 of underinsured motorist benefits available to you even though you were only in one of your vehicles at the time of the accident. If your medical bills were paid by health insurance of an employer’s health plan, the insurance company or plan may want you to reimburse it out of any personal injury recovery. This right, anymore, is not limited to recoveries from third-parties but rather, includes recoveries made through uninsured motorist coverage, underinsured motorist coverage and no-fault benefits. The last thing you want to happen is to settle your claim and get sued by your health plan several years after the settlement. If you've been injured in a car, motorcycle or tractor trailer wreck, contact me on my cell phone, 502-609-7657, for an immediate, free consultation.
Every 115 minute a person or car is hit by a train, despite all the sophisticated warning devices and systems.
The collisions either injure or cause death on contact whereas toxic exposure may cause disabilities and illnesses affecting their lungs, skin, heart and other internal organs. The crash killed at least one passenger and seriously injured several others, including the bus driver. The deceased was identified as Hasib Karahodzic, 51 years old, from Springfield, IL who was driving a semi truck at the time. The deadly crash involved two semi trucks and a passenger car and occurred on Illinois State Route 13 near the city of Shawneetown. Thomas of Enfield, IL was driving a 2002 Peterbilt semi trailer truck through Gallatin County in southeast Illinois. Due to the machinery and mechanical accurateness that is needed to run a roller coaster, most of the time you are safe as the G-force keeps you pinned in place.
An Iraq war vet who had lost both of his legs during the war wanted to enjoy the day at the amusement park. The ride had about 40 passengers aboard when one of the cabins came loose and collided with the others causing them to fall 50 feet to the ground. He had lost his hat during the ride and wanted it back; despite all the warnings, he climbed the fence to retrieve the hat and was decapitated by the 80 km per hour ride. This accident claimed the life of one college student and injured 19 others when the cars went flying off the tracks.

She was hurtled 30 meters to the ground from her car which caused severe internal injuries, eventually leading to her death.
During an investigation, it was found that she had wanted to ride with her mom, but the park employees refused, saying that her mom was too big and needed her own seat. However, in this case, he had slipped out of the safety restraints and fell the four feet to the ground. Unfortunately the cap was on a active line and as the worker reached down to retrieve the cap he was struck by a incoming roller coaster car severing his arm. This is because it is lawful to drive in Kentucky and Indiana with insurance coverage of just $25,000 per person. In Kentucky, a motorcyclist could be 99% at fault for an accident and still recover 1% of his damages.
Because I want to know if your injuries and the facts of the accident justify the involvement of an accident reconstructionist.
It does not matter what percentage you use as long as the apportionment of fault, between the drivers, adds up to 100%. Next, does the police report list any witnesses or do we know of any witnesses not listed on the police report? One of the best ways to do that is to hit them early on with medical records and bills demonstrating that your injury is more severe, with more medical expenses, than may they may expect in a typical motor vehicle accident. While this is not ideal, it may be are only way of getting you the treatment you need for your injuries.
However, if you do this, only file a rejection for your motorcycle and make sure you have health insurance to cover your medical expenses.
Kentucky law is the exact opposite in that you could recover a total of $350,000, ($100,000 +$250,000) in the above example. Well, if the other driver is insured for $100,000 and you have $100,000 of underinsured motorist coverage, you don’t have an underinsured motorist claim. They will try to act like they have your best interests in mind and what to help you find the right doctor or that your insurance company wants you to go see this particular doctor. Now that you know what it is, go to your insurance agent and buy the kind of insurance you need to protect your family before the accident happens.
The only way we ultimately recovered anything for her was that we were able to make an argument that she lived part-time with her father and fell under his uninsured motorist coverage as a resident relative of the household. However, you may still have a personal injury claim that we can recover monetary damages for.
While the drunk driver will most likely face criminal charges stemming from this automobile accident and his intoxication, the real question is what about the damages he has caused you because of this motorcycle wreck. Without it, your only option is to sue the drunk driver, hope he has some assets and hope any Judgment you obtain is not discharged when he files Bankruptcy.
In the event of a serious motorcycle crash, you could owe thousands in medical bills, for an accident that was not your fault, just because you tried to save several hundred dollars.
However, I reasonably recommend that everyone carry at least $100,000 per person in uninsured motorist coverage. Nevertheless, we were able to get my client’s underinsured motorist coverage from his automobile insurance to apply to the injuries he sustained while riding his motorcycle. In fact, this area is so complicated, I have before utilized consultants in the field to handle the ERISA portion of the case on an hourly basis when I have felt that their knowledge would allow a greater reduction of the money the health plan was entitled to. Also, most health plans have contract language saying that they don’t owe attorney fees on the amount they recover and that they are a first-priority lien that trumps your rights no matter how badly you are hurt. As the trains carry a large number of passengers the accidents are always complex and create chaos. The impact of the accident was so strong that it tossed a 16-year old passenger Baysha Collins from the upper-level seat where she was resting to a stairway leading to the lower level.
The truck accident area is in the far southeast corner of the state near the border with Indiana, about 76 miles north of Paducah, Kentucky and about 47 miles southwest of Evansville, Indiana. However, just like in your favorite horror movie, everything that seems safe may quickly turn into a horror story.
Six years prior, a similar event happened during which a groundskeeper died when he was hit by the leg of a passenger while the roller coaster was rolling.
After an investigation, it was discovered that it had bad axles and had not been replaced in 15 years. The cables snapping injured many of the passengers and one of the girls lost both of her feet.
After she died, the park closed for a full year and when they reopened they had renamed the water ride, Drenched. One of the cars rolled back into the station when it broke loose from the coaster, taking the lives of five children and injuring several more. Underinsured motorist coverage lets me make a claim against your own insurance policy for the amounts not covered by the at-fault driver's insurance. However, without his report, we had no case at all since the majority of fault seemed to rest with the motorcycle operator whom I was representing. They have to pay the no-fault benefits and try to recover them from the drunk driver’s insurance company. Otherwise, you are taking a big gamble as to whether we can get your medical bills paid or get you the medical treatment you need. I just want yours to be a personal injury case wherein we recovered the full value of your claim and not an amount you were forced to accept. My insurance company specifically listed this coverage separate in my declarations page and wrote my insurance coverage in such a way that it would apply no matter which vehicle I am driving. Very simply, to avoid stacking, his insurance company wrote the underinsured coverage so that it would apply regardless of the vehicle he was operating. A legal consultancy service can get the victims the aid they need in seeking compensations. Although it was found that the bar was still locked in place, the park suffered health and safety fines.
Then he decided to climb back on, unfortunately that same car had looped around and instantly killed him when it hit him in the head.
In Indiana, you can not recover on a personal injury claim if a jury determines that your fault for causing an accident is equal to or greater than the other drivers.
They also may promise to loan you money against your case.  Hang up the phone and walk away from them! You are finally released from the hospital after 10 days and you are told you should not go back to work for four weeks. In this case, it meant we had an additional $25,000 in insurance coverage we could go after.
The question is with the life of so many people depending on these trains why these accidents even happen?
He slid to his terrifying death when he slipped through the harness when one of the trains went racing over a small incline. If you are injured in a motorcycle accident while not wearing a helmet, it could have an impact on your recovery of damages.Not wearing a helmet, no matter your age, does not necessarily bar recovery after an accident.
You could recover $100,000 from the liability coverage and $100,000 from the underinsured motorist carrier for a total of $200,000. Further, when you open arrive home from the hospital and open the mailbox, you open a medical bill from U of L Hospital for $43,000. Anyone seeking to recover damages after an automotive accident must prove negligence for a determination of fault to be made. If you are not wearing a helmet at the time of a motorcycle accident, you may be found comparatively negligent, but this does not bar your possible recovery.
It may, however, reduce the amount of damages awarded if it is shown that failure to wear a helmet contributed to your injuries.If you were not wearing a helmet, and you sustained head or neck injuries, you must prove that your injuries could not have been prevented by the use of a helmet.

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