The Governor’s Highway Safety Association (GHSA) has reported a 2% drop in deaths involving motorcycle accidents for 2010 from 2009. Are motorcyclists safer?  4,376 deaths is still a staggering number of motorcycle fatalities. 

GHSA has doubts as to whether the small drop in fatalities is significant.  Fewer deaths usually means safer vehicles and safer drivers. According to GHSA the decline is much smaller than 2009’s 16% drop. 2009’s decline was more focused in the early months of the year when bikers on the road are fewer. Fatalities then rose in the third quarter.  They also cite other factors such as the use of the number of helmets approved by the Department of Transportation dropped 16% and motorcycle riders are growing in numbers as the economy improves.  

James Hedlund, a consultant and former associate administrator of the National Highway Traffic Safety Administration, says that fatalities will rise in 2011 if the states will not do something about motorcycle safety. Is there anything being done about what looks to be a growing number of motorcycle accident deaths? 

As a response to this issue, BMW Motorrad USA is the first manufacturer to offer anti-lock brakes on all its motorcycles, beginning with the 2012 model year. This is an effort to improve safety for riders.  Studies show riders are 37% less likely to be involved in a fatal crash if motorcycles are equipped with anti-lock brakes. 

 GHSA executive director, Barbara Harsha, says a reduction in fatalities and injuries for motorcycle accident is expected if the improvements that have made in cars can be made in motorcycles.  GHSA urges states to take measures to decrease motorcycle fatalities such as:

• Promoting the increased use of helmets
• Reducing impaired or drunk driving
• Reducing speeding
• Providing additional training in safety   

I believe that solving this problem is not solely the responsibility of Kentucky, Indiana or any state. Each rider needs to take their safety into their own hands. Every driver of a motor vehicle, whether a car or a truck, needs to be aware that motorcycles are on our Kentucky roads as we head into spring and summer. When we all take personal responsibility for our own actions motorcycle fatalities will decrease. This is not rocket science. Being careful and paying attention to what you are doing on the roads will save lives.

Whether you are an expert motorcycle rider or just a beginner, always try to know and remember basic safety tips in riding a motorcycle. All drivers should do the same so we all have a safe and uneventful summer.

I am a Kentucky personal injury attorney.  I represent the victims of car accidents, truck accidents, fatal accidents, motorcycle accidents, bicycle accident and pedestrian accidents. When I speak with an accident victim I am concerned about the type of insurance coverage that the potential client has.  This insurance coverage often makes a huge difference on what I am able to do for a Kentucky accident victim on any particular case. This is especially true if the injuries are serious or fatal and the at-fault car did not have insurance coverage. 

One of the first questions I ask as I am getting to know a new client is “What type of car insurance coverage do you have?”  The answer that I get 90 percent of the time is, “I have full coverage.” I have learned that this means vastly different things to different people. So I ask the follow up question “What do you mean by full coverage?”  The answers I get vary. They are rarely the same. The potential client is almost never correct. Unfortunately, when someone becomes an auto accident victim it is the first time they really look at their own car insurance policy. 

I ask for a copy of the insurance policy declarations page to make sure I am getting accurate information.  The declarations page is a sheet or bill that you receive from your car insurance company that shows the different types of insurance coverage you have purchased , the limits, the amount that you pay for each coverage, and the cars or vehicles that are covered on your policy.

Now here’s the kicker.  Full coverage is a term that people hear all the time. I use it. I am sure you have used it. Guess what? There is no real definition for it.  You cannot ask your insurance agent for full coverage. This is not an all inclusive term. This makes it extremely important to know the different types of insurance that are available. This will enable you to purchase the best car insurance for you. In other words what full coverage is for you.  The different coverages available to you in Kentucky are:

• Bodily Injury Liability- Mandatory insurance that covers the injuries you cause to other people if you are in an automobile accident that is your fault.
• Property Damage Liability- Optional coverage that pays for damage done that is your fault to other vehicles or property.
• Collision- Covers property damage done to your own automobile by an actual collision and nothing more.
• PIP, Personal Injury Protection, or Basic Reparations Benefits- Mandatory coverage that is also known as No?Fault insurance. This insurance pays for your medical bills and lost wages up to $10,000.00 should you be in a car accident regardless of fault. 
• Added Reparations Benefits- Optional benefits that you can purchase in addition to your PIP for medical coverage and lost wages above $10,000.00. 
• Uninsured Motorist Coverage- Pays you for your pain and suffering and your out of-pocket expenses if you’re in an automobile accident and injured by a driver of a car that does not have insurance.
• Underinsured Motorist Coverage- Covers you for injuries you have sustained in an automobile accident that was not your fault when those injuries are greater than the insurance coverage of the car that hit you. 
• Miscellaneous coverage such as towing      
• Comprehensive- Covers damage to your car caused by something other than a collision, such as crack in your windshield.
• Umbrella Policy- Additional insurance you can purchase in case you have liability that is in excess of the limits of your other insurance. You may also purchase coverage for additional under insured motorist coverage under some umbrella policies.          

You can tell by this list that the only mandatory insurance coverage required by the State of Kentucky is bodily injury liability coverage, property damage liability coverage, and no?fault or PIP benefits.  The minimum amount of coverage is $25,000.00 50 for liability coverage.  As you can tell, this will not even be a drop in the bucket should there be a serious accident.  The minimum for PIP is $10,000.00.

For more information on Kentucky car insurance request a free copy of my first book “What You Don’t Know About Buying Car Insurance Can Hurt You.”

Make yourself an informed consumer when you buy car insurance and make sure you protect your family in case you are the victim of a Kentucky automobile accident.

We are coming to the end of a long, cold and snowy winter. Most of us are praying for spring.  I have to admit that it is still ski season for me and another month of cold weather wouldn’t bother me at all. But we have all had it with snow covered Kentucky roads, even me.  

You’re probably expecting me to talk about winter driving and how to drive safely in the snow and accident prevention.  Well, you’re wrong this time.  As I was driving to work one morning last week I saw a bicycle rider pedaling through the snow.  I applauded him for having a flashing light on his bicycle for visibility. This most definitely helps to prevent bicycle and car accidents. I admire his determination on getting to his destination. 

Somehow this bicyclist got me thinking about motorcycles. They will soon be on the road in the spring.  I further pondered what really prevents motorcycle accidents.  Are there steps that motorcyclists can take to prevent being involved in a motorcycle accident on Kentucky roads? 

One article I found about motorcycle safety had the premise that other drivers don’t care about motorcycles. The point was that car drivers are not specifically looking for motorcycles. This attitude puts an extra burden on the motorcycle to anticipate a cars next move.

I also found a lot of misconceptions that are believed by motorcycle riders to be true which in fact are statistically false! These include:

• Loud pipes save lives.
• Motorcycle helmets break necks.
• Helmets block your ability to see or hear danger.
• A helmet won’t help in most crashes.
• A helmet will leave you brain damaged in a crash when you would have been simply dead.
• A skilled rider should be able to handle almost any situation.
•  One beer won’t hurt.
• It’s better to stay in your lane than split lanes.
• I’m safer on the street than on the interstate.
• A skilled rider can stop better with conventional brakes than with anti-lock brakes.
• Laying it down prevents accidents

      Statistically all of the above are inaccurate. They are common misconceptions. Nobody wants to cause a motorcycle accident.  As a motorcycle rider you need to be aware of things that can hide or limit the visibility of your bike such as the sun, roadside poles, signs, other cars and trucks, etc.  To put it simply: Be aware of your situation and your surroundings.  This will help prevent auto accidents and motorcycle accidents.

Let’s look at a few of the above and why they are in fact inaccurate statements.

• Although loud pipes can save lives and there’s arguments for that, it usually won’t help a driver notice you if he’s making a turn in front of a motorcycle.  Once again, you need to be aware of your situation.  Wear brightly covered clothes to make you more visible to cars and traffic.
• All studies show that helmets will help in crashes.  They don’t hurt your field of vision. Statistics are clear that riders and passengers that wear helmets survive more accidents. Wear one.  Although I don’t ride a motorcycle I would not dream of skiing or riding my bicycle without a helmet. It could save your life.
• Laying it down just ensures that you’re going to be in an accident.  Once again, be aware of your situation. There is not one avoidance tactic that works for every potential accident.
• Don’t drink at all if you’re riding a bike.  One beer will lower your reflexes and may be the difference in avoiding an accident.  Not everyone is Dr. Johnny Fever, of WKRP in Cincinnati fame.
• Interstates are the safest roadway for motorcycles. This is because there are fewer distractions for drivers. There are no pedestrians and there are no intersections.
• Anti-lock brake systems stop faster and don’t skid.

Car drivers need to be aware of motorcycles as they come out in the spring and become more prominent.  Unfortunately, as a motorcyclist you can’t count on this. If everybody is aware of what is going on there will be fewer accidents.

·        Wear a helmet.

·        Wear bright colors.

·        Turn your high beams on during the day.

·        Ride as if other drivers on the road can’t see you.

·        Don’t drink and drive.

This will help prevent serious motorcycle accidents and injuries this spring and summer in Kentucky.

            We have made it 2010.  How many people have made their New Year’s resolutions?  I have a suggestion every Kentuckian should resolve to be a safer driver. We must attempt to make our Kentucky roads safer.  How can we avoid serious automobile accidents?  How can we avoid striking a pedestrian or a bicycle? How can we be more careful and avoid motorcycle accidents?  The answer is obviously yes.  In getting 2010 off to a good start I decided to give you my top ten ways to be a safe driver.  Here we go.

            10.       Pay attention to what is going on around you. 

            9.         Expect the unexpected.  You never know when you’re going to have to react.  I’ve been trying to teach this lesson to my daughter as she learns to drive.  I’ll let her tell you some of the stories at a later time. 

            8.         Don’t tailgate. 

            7.         As a bicyclists you must obey the rules of the road.  Don’t ride on the sidewalks.  Make sure that you are aware of what the cars are doing.  Remember cars can’t see you as well as you see them. Drivers of cars need to watch out for bikes too. Remember that bikes have the same rights as cars. 

            6.         Motorcycles don’t needlessly speed and be aware of what cars are doing. When I ski I need to watch out for other skiers as well as snowboarders, who go down a hill differently then a skier. I have to be aware of this and respect the differences to avoid an accident. A driver of a car needs to have the same respect for other vehicles that are on the road. 

            5.         Avoid road rage.  A calm driver is a safe driver. 

            4.         Be courteous.  This goes along with No. 5. Let another car into traffic.  Don’t cut them off.  It won’t kill you. This goes a long way toward helping to control a driver’s temper and traffic running smoothly.  Remember everyone is trying to get somewhere in a hurry and where they are getting is just as important as where you are going. 

            3.         Remember a yellow light means to stop, not speed up and try to get through the intersection.  If you can stop safely you should.  A yellow light only means that you should clear the intersection if you are in it. If you speed up at a yellow light sooner or later you will cause an accident. 

            2.         Make sure your car is in safe working order.  Make sure the tires, brakes, etc. are all working properly. Have your mechanic check your car out. It is a lot cheaper than being in an accident. 

            1.         Drumbeat please – don’t be a distracted driver.  Get off your cell phone.  Don’t text.  Don’t  look up phone numbers.  Don’t put on your makeup.  Distracted Driving is the No. 1 cause of accidents in America today overtaking drunk driving (which you obviously shouldn’t do either, so we will make it 1A). I actually saw a young girl try to text and drive on the snowy roads last night on the way home. She probably ended up in a ditch some where.

            I’m sure I could easily have a top 25 list of ways to avoid automobile accidents. I hope this gets your mind thinking on how you can avoid automobile accidents and be a safer driver on our Kentucky roads.  Nobody is a winner if there is an accident.  Let’s keep them to a minimum this year.

The first time I saw the cable barriers as I was driving down I-64 my only thought was that they were absolutely hideous. I admit that I was skeptical about how effective the cable barriers would be. I wasn’t sure they would stop any accidents that concrete barriers wouldn’t stop. Would the cable carriers really prevent a cross over accident? Would there be problems with emergency vehicles getting to the accident scene because they couldn’t get through the median? I had questions but I was wrong.

There are now 51 miles of cable barriers in Jefferson County, Kentucky at a cost of $130,000.00 per mile. From 2006 until August of this year these barriers have been hit 609 times. These barriers cover all of I-265 and I-64 from downtown to the Watterson. There are also barriers in Bullitt County as well as Floyd and Clark Counties in Indiana. Law enforcement officer estimate that the barriers have saved 100s of lives.

The cable barriers have several benefits over concrete barriers:

·         They are significantly less expensive at $130,000.00 per mile as compared to $400,000.00 per mile for concrete barriers.

·         Cars that hit the barriers often get stuck between the cables and do not rebound back into traffic.

·         They absorb the energy of impact helping to minimize the severity of some injuries.

There are those that believe that all Kentucky interstates should be built with cable barriers. What do you think? If they save lives I am for it. There are plans for additional cable barriers in Kentucky, but unfortunately there is no money allocated for the Louisville Metro area.

There are groups who oppose cable barriers, such as most motorcyclists. Jay Huber, the president of the Kentucky Motorcycle Association/Kentucky Bikers Association, calls the cable barriers “a cheese slicer”. This is something I hadn’t considered. How would a barrier made of cables stop an out of control motorcycle? I can see that these barriers are potentially dangerous and deadly to the rider causing deadly motorcycle accidents.

Huber believes that the installation of nylon straps or mesh over the cables would reduce this danger. There is opposition to this addition. The stance against this safety measure is the additional cost of installation. Additionally there have been no motorcyclists seriously injured or killed due to striking the cable barriers. We spend enough money on foolish endeavors. Let’s make sure that the cable barriers are safe for everyone.

Another problem according to the Kentucky State Police is that the barriers prolong emergency vehicle response time. This doesn’t occur very often, but vehicles have had to travel an extra two to three miles to find a cut through to get to the accident scene.

I played golf last month with one of the supervisors of a construction crew that was installing cable barriers in southern Indiana. I asked him why they were not putting gaps every ¼ of a mile or so. He gave me two reasons:

1.       The cost would be higher.

2.       An out of control car would get through the gap and cross over into oncoming traffic.

I don’t believe that additional cost should be a consideration if the gaps put in would allow a quicker response by emergency vehicles and save even one life. I wonder how muck it would cost? My guess is not as much as the total cost of the concrete barriers. As to getting through the cross over gaps, I did not believe his answer. It seemed like a bunch of bull. If you make the gaps parallel to the highway and have overlapping sections for the gaps that are maybe 50 to 100 feet long an out of control car would not be able to cross over. There is just no way for it to get through.

The bottom line is that cable barriers have saved lives and will save more lives. Let’s make them better to make sure additional lives are saved.

There is a new billboard campaign that has been launched by the National Safety Council called “Death by Cell Phone.” The campaign has been launched in 67 markets nationwide. I have yet to see one in the Louisville area. If you know of one post a comment and let me know where it is. Jennifer Smith, who is the daughter of a victim that was tragically killed by a driver using a cell phone, coined the phrase in describing the tragic death of her mother.

            Cell phone usage while driving was addressed by Kentucky in 2009, but did not make it out of committee. Nationwide it is reported that 81% of cell phone owners use their phone while driving. There is little doubt that the use of cell phones distracts drivers and is the primary cause of tragic auto accidents on Kentucky roads.

I have represented accident victims who have been injured by teenagers texting while driving that some how ignored a red light. Today I was conferencing a case where the driver of a motorcycle was apparently using his cell phone when he some how didn’t see the stopped car at a traffic light and slammed into the car at 50 mph.  Tragically, he was not wearing a helmet and is believed to have died in this motorcycle accident. I still can’t believe the driver had his cell phone out while going 50 mph. I take my cell phone while I am riding my bicycle, but the only time I am on it is when I am off my bike and on the side of the road in a safe place.

            Many states have already banned the use of cell phones in motor vehicles in some form or another. Now Australia looks to be jumping on the band wagon in banning all cell phone use in cars, including hands free devices. As a parent I do not allow my daughter to use a cell phone while driving unless a blue tooth is in use. 

We need to pay attention to the pleas of Jennifer Smith, whose mother was killed by a cell phone user. Everyone should listen to David Teater, whose son was killed by a cell phone user. Let’s pay attention to what has happened to these accident victims.

One study links cell phone use as a factor in 6% of all motor vehicle accidents. According to this estimate cell phones result in 2,600 deaths each year. All because we couldn’t wait to text or make a call. This is senseless. It’s not just cell phones, but they are in my opinion the most dangerous. Americans are distracted by the radio or CD, the cup of coffee, polishing nails or putting on make up, or even reading the paper. The time has come to limit the use of cell phones while driving a car in Kentucky. We should follow the lead and help prevent any further needless deaths by cell phone.

      The Memorial Day weekend was a deadly one on Kentucky highways. Unfortunately there were seven fatalities. Six of the fatalities involved cars and of the six tragic deaths, five were not wearing seatbelts. The seventh fatality involved a motorcyclist that was not wearing a helmet. My sympathy goes out to all of the families of the victims of these accidents. These deaths underscore the importance of wearing seatbelts when riding in a car or a helmet when riding a motorcycle. It is undisputed that these simple measures save lives.

      Using common sense can be the difference of life and death. I was driving my daughter to school this morning. I Turned from US 42 onto the Gene Snyder and I saw some cars in the median. As I got closer I saw that there was an accident. There were three cars involved. There was debris in the road and smashed cars in the middle of the road. There was also a young girl, who I would wager was still in her teens, that was walking in the middle of the highway talking on her cell phone. Now the police needed to be called, but not from the middle of the road where she was in danger from oncoming traffic.  I flashed my lights at oncoming traffic to serve as a warning. I don’t believe there was any further tragedy, but some common sense would have insured this.

      My point is everyone should use your common sense. It can save your life. Wear a seatbelt when riding in a car. Wear a helmet when riding a motorcycle. Don’t walk in the middle of the road even if your car is there. Use common sense on Kentucky roads and prevent a tragedy should you be in an accident.

May is Motorcycle Awareness Month in Kentucky. I see the sign on the mornings when I take I-71 to the office in Louisville. It is flashing for all to see. It is summer and all drivers should be aware of more motorcycles and bicycles that are on the road. This advice applies to the riders as well. I have seen some horrible injuries that are the result of motorcycle accidents. I have seen legs that have been damaged for life. I have seen helmets that have saved a life when the rider of a motorcycle comes through the windshield of a car. The resulting injuries are usually severe and life changing for all involved.

Since it is Motorcycle Awareness Month and because I represent those injured in motorcycle accident I was pondering the dangerous nature of riding a motorcycle. I was also thinking about the fun and the adrenaline rush that must go along with it. This got me thinking as to whether there was any way to make the riding of a motorcycle safer without taking away the feeling of freedom. My mind initially went to motorcycle awareness campaigns. I have no doubt that they do save lives, but this does not make the bike safer in and of itself. Then I came across a The Ohio Motorcycle Lawyers Blog where attorneys Boyk, Bruna and Emch talked about a product called the Impact Jacket. I thought this is a great idea. This is basically a motorcycle airbag system. A jacket is worn by the rider that is attached to the motorcycle by a lanyard and an anchoring cable, I assume by a cord similar to a treadmill or Jet Ski. If the rider is ejected from the bike the cord triggers a CO2 canister that inflates the jacket in a mere .05 seconds. The inflated jacket is supposed to lesson the severity of any impact with the road or a car.

This appears to be a great safety device or is it just a gimmick? I think the Impact Jacket should help protect the rider while letting one enjoy the freedom and exhilaration that riding a motorcycle gives.Let’s have a safe Motorcycle Awareness Month.

Summer is right around the corner. The weather is beautiful in Kentucky this time of year and this means that there are more pedestrians, bicyclists and motorcycles on Kentucky roads. When you are out driving and enjoying the weather be extra careful. Don’t be distracted and pay attention to what and who is on the road. This small change in your attitude could safe someone’s life.

Seattle Accident Attorney blog by attorney Chris Davis outlines an interesting program by the Seattle Police Department that I think more cities should embrace. I believe this program and police efforts will save lives. According to Davis, the Seattle Police are starting a program of “sting” operations to catch drivers who don’t stop for pedestrians. The police will be using live decoys. The pedestrian decoy will approach a cross walk and monitor a driver’s response. This is a great idea. I hope we see a similar operation in Louisville, Kentucky by the Louisville Metro Police Department.

Pedestrian accidents can be devastating. They can also be difficult to prove unless witnesses come forward. When a car collides with a person in the crosswalk or on the side of the road the results are almost always life changing. I know that there is a duty on the pedestrian to watch out for a car and many times the accident may be their fault. If a pedestrian is crossing outside the cross walk they may be partly to blame. If a child chases a ball into the street you may be to blame. Don’t take the chance. Slow down and watch out for pedestrians this summer. A crosswalk sting may be coming to a city near you.

Every time you turn on the TV, listen to the radio or even read the newspaper you hear someone talking about Facebook, Twitter, Linkedin and other social networking sites. What does this have to do with someone who has been in an automobile, motorcycle, bicycle, truck or pedestrian accident in Kentucky? Well if you are not careful with what you post on your site it may have a devastating affect on your accident claim. It used to be that these sites were limited to the young. Not anymore. Employers are checking Facebook and Myspace prior to hiring someone. Jurors have used Twitter to comment on trials which has resulted in mistrials.

Guess what? Insurance adjusters are looking at your information on these sites to find any information they can to deny your claim out right or to limit its’ value. They are involved in internet surveillance. For instance, if you make a post about playing basketball the day after an accident this could be used to disprove the severity of your injury. Photos you upload can be damaging as well. A little bit of information can be taken and distorted by the insurance company if you are not careful.

The point is to be careful. If you have been in an accident use some common sense so what you believe to be an innocent post does not come back to hurt you in your accident case. Be aware of what you are doing. A good friend of mine said; “Don’t say or do anything that you would not be comfortable with seeing in the paper tomorrow”. The same can be said with the social networking sites. Don’t end up like Michael Phelps. It may cost you a good result in your Kentucky accident case.