No Personal Injury Protection for Motorcycles in Maryland

If you drive a car in Maryland, your insurance must provide you with $2,500 coverage for personal injury protection. This is a small amount of mandatory no fault insurance coverage for drivers in Maryland. If you are in a car accident, your personal injury protection benefits (known as PIP) will pay your medical bills, and up to 80% of your lost wages. You can still file a personal injury lawsuit against the at fault driver, and recover your full damages in that case, but PIP will pay some immediate benefits in the meantime.
                               
However, Maryland law allows car insurance companies to deny this personal injury protection to motorcyclists. Consequently, almost no motorcycle policy in Maryland has personal injury protection benefits. If you are injured in a motorcycle accident, you will not receive the same level of benefits from your own insurance company as a driver of a car would receive.

Many lawyers think this is unfair, and I bet most motorcyclists would also think this is an unfair law. If they passed a law extending personal injury protection benefits to motorcyclists, it would not cost the insurers much money, and they would just raise their motorcycle insurance rates to cover it.

This has been the law for a very long time, and there are no signs that it will change anytime soon. Only the politicians in Annapolis can make such a change to the personal injury protection law. If you are a motorcyclist, you should write your delegate and state senator today and ask them where they stand on this issue. Chances are, they haven’t given it a moments thought. Maybe you could change their mind and change this rather unfair law.

Get the Settlement You Deserve with the Help of Accident Attorneys

If you have been involved in an accident, it will be of great benefit to seek the guidance of accident attorneys. After an accident, a number of unfortunate circumstances may result that place a hefty financial burden on you and your family. Lost wages, property damage, and medical bills may far exceed what you are capable of covering. To get fair compensation for your financial losses, it is important that you take advantage of the professional guidance provided by accident attorneys.

Accident attorneys have the knowledge and experience that is necessary to effectively deal with all of the nuances of lawsuits and insurance law. Getting compensation for lost wages, property damage, and medical bills requires the ability to deal with the different parts of law that these damages fit under. For this, you will need experienced accident attorneys.

When seeking fair compensation, one of your biggest battles will be with insurance companies. Insurance law is complicated and does not often work in favor of individuals involved in accidents. Accident attorneys will work past any barriers that insurance companies put up. The goal of insurance companies is to increase their bottom line, which means settling a case as early as possible and with the lowest compensation they can get away with. With the help of accident attorneys, you can be sure that you will receive the compensation you deserve.

Hiring accident attorneys to represent your case is a savvy financial decision. A case that is represented by accident attorneys will not be neglected by the courts. With accident attorneys at your side, you can be sure that the value of your case will be maximized giving you the greatest potential to receive fair compensation. Set up a consultation right away if you have been involved in an accident so that you can get your life back on track as soon as possible.

Are the School Zones in Sacramento Safe?

School zones were established to slow drivers down in areas around schools where children would be likely to walk. Despite these safety precautions, it is estimated that around 100 children are killed every year walking to or from school, and that another 25,000 children sustain injuries as a result of accidents in school zones.

Children are not as well-versed in traffic laws nor should they be held responsible for safe practices like adults. This places them at a higher risk of being the victim of a car accident. A study investigating the effectiveness of school zones reviewed a total of 2,717 motor vehicle versus child pedestrian collisions. The researchers found that the density of collisions, particularly fatal collisions, was highest in school zones and decreased the farther from the school you moved. The highest proportion of collisions, at 37.3 percent, occurred among 10- to 14-year-olds. The researchers found most of the collisions within the school zones occurred at midblock locations as opposed to intersections.

Driver Responsibility

Drivers are required by law to yield the right-of-way to pedestrians who are legally crossing the street. This includes children who are crossing the street at a properly designated place within a school zone. Even if there is no crosswalk, drivers should still be mindful when driving through a school zone. Though a child may attempt to cross the street “illegally,” you want to ensure you are obeying the speed limit and are aware of your surroundings should you need to stop quickly. It is important to simply assume children are present, thus keeping you alert to the possibility of a child entering the road.

If a driver hits a child in a school zone, especially if the driver was distracted, he or she could face a serious personal injury lawsuit. Personal injury lawsuits are based on proving the negligence of the driver who caused the accident. If a driver is speeding through a school zone, driving with distractions, or simply fails to yield the right-of-way and strikes a child, that driver may be acting negligently and could be responsible for any resulting damages or wrongful death.

Though it is the driver’s responsibility to control his or her vehicle in a school zone, it is also extremely important to educate children on safe road practices. Though children may not fully understand the risks and consequences of their actions, it is still important to teach them safety. Teach your child to always cross in a cross walk, and to look both ways and ensure no vehicles are coming before doing so. As statistics have shown, the majority of school zone accidents do not occur at crosswalks, where it is usually safe to cross the street, but rather happen in mid-road, where children may cross “illegally” and are at a greater risk of getting hit.

Minors and Personal Injury

A personal injury case becomes even more complex when a minor is involved. Although the procedures for collecting compen­sation for a minor can vary from state to state, a child does have a right to compen­sation for damages including pain and suffering just as an adult does. In addition, the parent or guardian has a separate right to be compensated for medical bills paid on behalf of a child.

Generally the child’s parent or guardian will act on his or her behalf when negotiating a settlement. Some states require a judge to approve the child’s representative, but is usually a quick and simple process. A personal injury case involving a minor generally follows the same format as that of an adult, though the child’s representative negotiates and agrees to settlements on the child’s behalf. States have laws governing how the settlement will be given to the child, usually involving a trust. The money may be used later for educational purposes or is made available to cover specific things like medical costs.

Seeking the Help of An Attorney

No matter how minor or serious the school zone accident may be, it is usually to your benefit to speak with a personal injury attorney. Personal injury attorneys have the knowledge and skills to help you determine if your case has merit or if there are other options for you. Even if you only have questions about your legal rights, including compensation for medical expenses as a result of the injury, speak with a personal injury attorney before making any type of settlement.

When is the Right Time to Call a Personal Injury Lawyer?

Personal injuries are caused due to negligence or wrong doing of another person, company, government agency, or any other entity. A personal injury lawyer is the person who provides legal representation to people who have been injured physically or psychologically.

Personal injuries generally fall under several categories: auto accidents, slip and fall, medical malpractice, nursing home failure of care, cruise accidents, and wrongful death. In most of these occasions, one doesn’t get their compensation directly from insurance companies. In such cases, you should hire a personal injury lawyer.

Hiring a Personal Injury Lawyer

If you are facing one of the following situations, you should consider hiring a personal injury lawyer to protect your rights.

• -          If you have sustained injuries that require surgery or long-term treatment.
• -          If your injuries have resulted in permanent impairment.
• -          If your injuries have caused you to miss work for more than few days.
• -          If you have sustained head or brain injuries.
• -          If due to your injuries, you are unable to carry out your daily activities like, dressing, feeding, walk, or other similar personal activities.
• -          If your previous injury or medical condition has been aggravated due to this new injury.

If you face any of the above mentioned situations, before the opposite party’s lawyer approaches you for a settlement, you should arrange for your own lawyer who can negotiate on your behalf. While you are on a lookout for the personal injury attorney, you should consider the following pointers.

• -          Consultancy fees are usually waived off for the first meeting.
• -          Experience in personal injury cases.
• -          Do a thorough check on the lawyer.
• -          Seek assistance for getting settlement with insurance companies.
• -          Get an opinion about the case.

The personal injury lawyer will evaluate the case and act on your behalf with the insurance company. The law firms work in accordance with the insurance firms, to get your settlement. The personal injury attorneys are well-trained to make sure insurance companies pay the appropriate settlement amount that you are entitled for.