What to Do If You Are Hit by a Car While Bicycling?

Bicyclers may think they are ok after being hit by a car. A recent article on Active.com discusses a case involving Seattle attorney John Duggan, who was struck while riding his bicycle. He thought he was unharmed and didn’t know who was at fault for the accident, so he and the driver parted ways. A half-mile down the road, Duggan started experiencing severe pain and had to go to the emergency room with wrist and shoulder injuries.

Steps You Should Take If Hit on Your Bicycle

• Contact the police as soon as possible after an accident to obtain reliable documentation of the accident and its cause, which will be helpful for insurance claims or if a personal injury lawsuit needs to be filed. Insurance claims often do not reach fair settlements for accident victims, which is when a personal injury lawyer can be beneficial.

• Talk to witnesses: Any witnesses that saw the accident should be asked if they don’t mind including their recollection of the accident to the police. Witness reports can strengthen your case. Be sure to record the witness names and contact information yourself; the police often omit this information in their reports.

• Get the driver’s insurance/contact information: In the story mentioned above, Duggan didn’t ask for the driver’s information because he thought he wasn’t injured and wasn’t sure if the accident was his fault. Even if you do not know it, exchange contact information in advance to address future health or insurance issues.

• Get medical help: Seek medical attention as soon as possible after an accident. Even if you seem alright, you may experience delayed symptoms.

Will My Car Insurance Cover a Bicycle Accident?

Many times, your car insurance will cover damages caused by being hit by a bicycle. It depends on your insurance policy, but if it includes Personal Injury Protection Coverage(PIP), you may be covered. PIP covers damages regardless of who’s at fault, and can include coverage for lost wages in the case of an injury. Another coverage option that can help is Uninsured/Underinsured motorist coverage. With this coverage, your insurance company steps in to cover damages the other driver is liable for but cannot afford to pay. Every insurance policy is different, and you can find out by calling our office for a free review. It can be beneficial to consult a personal injury attorney with years of experience reviewing insurance policies and determining fault in accidents. Lufkin personal injury attorney Mike Love offers free policy reviews and is dedicated to challenging insurance companies to ensure they provide the minimum coverage required by law.

What If a Truck Hit Me Because of Bad Weather?

In the event of inclement weather, many things can go wrong on the road. Visibility diminishes, roads become more slippery, and other drivers usually slow down. If proper precautions are not taken, it is much easier to be involved in an accident under these conditions. Certain factors will determine whether the truck driver was negligent during bad weather.

Dangerous Negligent Behavior During Bad Weather

• Speeding: During inclement weather, speeding is considered more negligent than it is on a clear day. Cars need to be at, or below, the speed limit in a severe storm. Speeding is one of the leading causes of accidents, but proving it can be hard. Lufkin truck accident attorneys pair with accident reconstruction specialists who use calculations to prove how fast a truck was going at the time of the accident.         

• Not using headlights: In darkened skies, drivers should use their headlights. Was the truck that hit you equipped with its lights?

• Improperly inflated or worn-out truck tires can easily lead to accidents. Other issues with the truck may arise from a lack of inspections and from failures to meet regulations governing trucks and trucking practices.

The Trucking Industry May Try to Discredit Your Claim

Trucking companies are accustomed to dealing with the consequences of semi-truck crashes. Truckers often get overworked and may be asked by their employers to work illegal long hours, leading to trucker fatigue, which can be very dangerous for other drivers on the road. Other rules truckers need to follow include weight limits, properly securing cargo, and inspecting the truck for mechanical issues. Even if a trucking company or its insurance company is compliant with your accident claim, they will likely try to offer the smallest amount of coverage possible, which will not cover the extent of the damages to your vehicle and any resulting medical expenses.

How Can a Truck Accident Lawyer Help Me Fight Back?

• Accident reconstruction specialists: These technical experts apply physics and mechanics to reconstruct accident scenarios and determine drivers' speeds and other key details.

• Insider knowledge: Lufkin truck accident lawyer Mike Love owned a trucking company before he became a lawyer. This gives him insider knowledge into how trucking companies can cut regulatory corners to make more profits, putting drivers on the road in jeopardy. Injured? Contact us today. We can help.

Do I Have to Pay for an Accident That Wasn't My Fault?

You would assume that after an accident that was the fault of another driver, all your damages would be covered, either by their insurance company or your own. Most of the time, this is the case. However, some drivers may still have to pay for vehicle or bodily damage out of pocket, even if the accident was not their fault. How can this be? Keep reading to find out.

Uninsured/Underinsured Motorist Coverage

In Texas, drivers are not required by law to carry Uninsured/Underinsured Motorist Coverage. UM insurance ensures your insurance company will cover damages in the event a driver hits you without insurance. A 2012 study by the Insurance Research Council found that 12.6 percent of drivers in the US are uninsured. UIM insurance covers drivers who are hit by a driver whose insurance plan doesn’t offer enough money for the damage they caused in an accident.

How Does UM/UIM Coverage Work?

With UM/UIM insurance coverage, your insurance company is responsible for paying the damages you incurred from the uninsured/underinsured driver. In the case of a UM/UIM accident, your insurance company steps in as the party responsible for the damages to your vehicle and medical expenses. Texas is an “at fault” state, which means the driver who is more at fault will have to pay the damages. Your insurance provider becomes the “at-fault” party when an uninsured or underinsured driver hits you. Your insurance company will likely try to offer the least amount of coverage possible, and often will try to refute that the accident was the other driver’s fault or try to deny you the full amount of coverage owed by your contract. These situations call for a car accident attorney.

Were You Offered UM/UIM Coverage?

Texas law requires insurance companies to provide you with the option to get UM/UIM coverage. However, insurance companies have been known to break the law to offer competitive rates and lower premiums. You may be able to make a legal case against the insurance company if they did not provide it to you. You should not have to pay for damages to your vehicle or your body in an auto accident that is not your fault. If your insurance company is trying to work against you or saying your plan doesn’t include UM/UIM coverage, contacting an experienced Lufkin car accident lawyer can help get your insurance company into gear.

The Trucking Industry Can Have a Disturbing Darkside

Trucking is a demanding job by its very nature. Companies have strict shipping deadlines, and drivers need serious focus and determination to meet their bosses' demands. However, serious road safety issues can arise when drivers stretch themselves too thin to meet these deadlines. Trucker fatigue contributes to many serious road accidents.

A recent USA Today article outlines the severe struggle that many truckers face. In Los Angeles, nine truckers were awarded $8.4 million after their employer had them falsify driving logs to comply with federal regulations after driving up to 19 hours a day. This creates safety issues for other drivers on the road, increasing the likelihood that a regular driver will be hit by a commercial truck. This is terrible, but federal regulations do exist to protect drivers from unsafe trucking practices that lead to driver fatigue.

Ways the Law Protects Drivers from Fatigued Truckers

The Federal Motor Carrier Safety Administration says truckers are not allowed to drive for more than 11 hours within 14 hours, after which they must have 10 hours off. Truckers are also not allowed to work more than 60 hours in 7 days or more than 70 hours in 8 days. There are also weight limits and other regulations that exist to ensure drivers are alert and that trucks are not excessively dangerous to other drivers. Experienced truck accident attorney Mike Love used to own a trucking business. He can review your car accident case to help identify whether breaches of trucking laws may have caused the accident.

There are safety regulations for trucks, truck drivers, and trucking companies that ship goods. Trucking companies are competitive and often encourage truckers to work longer than is permissible by federal law, or offer trucks and equipment that are not up to regulatory standards to cut costs. This poses a serious risk of injury to truck drivers and other drivers on the road.

If you have been injured in a truck accident or mistreated by an employer, a Lufkin personal injury attorney can help you find out if laws were broken and gain coverage for the victims of negligence. Your insurance company or the guilty party in a truck accident will likely try to give you as little as possible for coverage. An attorney has a team of professionals that can strengthen your case using insider industry knowledge. Call today for your free consultation with an experienced attorney. We can help.

What If Your Employer Doesn't Carry Workers’ Comp?

Many Texas employers do not provide medical coverage for their workers in the event of a workplace injury. Employers are not required to carry workers’ compensation under Texas law. A serious injury sustained at work can take you from being able to support yourself to going into debt very quickly. Not only are you losing wages from not being able to work, but are having to adjust to living with potentially debilitating injuries, such as broken bones, spine injuries, or even a brain injury. Many workers will not be able to afford medical bills for serious injuries on their own. However, there are other options you have in receiving injury coverage for work-related damages without workers’ comp.

What Other Options Are There Besides Workers' Compensation?

• Personal injury lawsuit: Many times, pursuing a personal injury lawsuit against an employer will be more beneficial than a workers’ comp claim would be. Employers must follow strict safety guidelines. If your employer committed a lack of safety regulation or care, a personal injury lawsuit could be very beneficial to your case.

• Third-party lawsuit: Even if your employer does offer workers’ comp, a third party could be responsible for your work injury, making it necessary to pursue a third-party lawsuit. Many construction sites and other worksites involve not just a single employer, but other contractors and subcontractors working together. These contractors are responsible for some of the employees’ and worksite safety responsibilities. If a contractor’s employee or equipment caused an injury to an employee of another company, that contractor should be held responsible for damages. Other third-party claim examples include car accidents caused by someone else while driving for work, and slip-and-fall accidents that occur while working on someone else’s property due to their negligence.

Pursuing a lawsuit against a construction company or a well-known equipment manufacturer will be difficult on your own. Lufkin personal injury attorneys at Mike Love & Associates, LLC have strong compassion for victims of workplace injuries who cannot get coverage. Their years of case knowledge help find where negligence occurred by an employer or contractor that contributed to your injury. Even if you do receive workers’ comp, it may not be enough to cover the full scope of your injury and recovery process. If you are injured, Mike Love & Associates, LLC is dedicated to securing the best compensation possible under Texas State Law. Call us today. We can help.