Auto Accidents

WFJ Presents: Motorcycle Safety

Below are some startling statistics regarding motorcycle crashes and some tips on how to increase your safety when riding.  If you or someone you know is in a motorcycle crash, contact WFJ immediately to talk to an experienced personal injury attorney.

WFJ Presents: The Ins and Outs of Underinsured Motorist Coverage in South Dakota

Injured in an accident? Do you have enough insurance coverage? Most people understand they have liability insurance to cover themselves if they cause an accident. Most people also understand they have uninsured motorist coverage in the event they are injured by a negligent driver with no insurance. Most people assume they have underinsured motorist coverage in the event the negligent driver has insufficient liability limits to cover their damages.

Wisconsin’s Motorcycle Laws

Wisconsin is one of a number of states that do not require adult motorcyclists to wear helmets. Under the headgear statute, headgear is only required for people under the age of 18. Wisconsin law does require riders to wear eye protection. This protection could be a face shield attached to the bike, goggles or glasses.

Minnesota’s Motorcycle Laws

Minnesota Laws and Regulations

All motorcycle operators with a license must:

  • Have a valid driver’s license with a motorcycle instruction permit or endorsement.
  • Register their motorcycle and display a valid license plate.
  • Carry liability insurance.
  • Carry proof of insurance when riding.
  • Wear eye protection: face shield, goggles, or glasses. Windshields do not meet legal requirements.

How Best to Use Your Medical Payments Coverage

When handling a personal injury claim for an auto collision case, one of the questions I hear most frequently concerns the medical payments coverage, and how it relates to settling the personal injury claim. First off, medical payments coverage insurance (or “med pay”) is insurance coverage that pays you or others in your car for medical expenses, no matter who is at fault for the car wreck. It is usually included in your auto insurance policy—in fact, it’s mandatory in Wisconsin. It is generally limited to a dollar amount between $5,000 and $10,000, depending on the policy. In tragic cases, this money can also be used to cover funeral expenses.

Car Accidents and Criminal Charges

In 2011, there were 72,117 car accidents in Minnesota, resulting in 30,295 injuries and 368 fatalities. Most of these accidents resulted from driver inattention/distraction, failure to yield right-of-way, and illegal or unsafe speed. The consequences for the parties involved can be overwhelming. Medical treatment expenses, an increase in insurance premiums, and the stress of car repair are just a few possible results of an accident. In addition to consulting an attorney to obtain a settlement for an injury, one should also consider the criminal consequences of car crashes, such as the following:

How Much Auto Insurance Should You Have, to Protect Your Family?

There were 72,117 car crashes in Minnesota in 2011, resulting in 30,295 injuries.* In 2010, Wisconsin had over 100,000 car crashes with over 40,000 injured people.** The most common reason for filing bankruptcy is medical expense. Among those people who list medical expense as their reason for filing, 78% had insurance. 60.8% of those insured had private medical insurance, as opposed to Medicare or Medicaid. What do these numbers tell us? It tells us that there often isn’t enough insurance coverage when a medical tragedy strikes a family. It also tells us that hundreds of people get injured every day in auto crashes. The above information isn’t meant to scare you—it should instead motivate you to take action to protect your family and yourself, in case of a car crash. You can do this by purchasing the right amount of auto insurance coverage.