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Knowing What You Are Buying With Motorcycle Insurance

Knowing What You Are Buying With Motorcycle Insurance

While motorcycles are much smaller than most automobiles, a motorcycle accident in SC could potentially have much more severe repercussions. This is why it is important to be aware of some of the small details when deciding on a motorcycle insurance policy.  Below are some helpful tips to consider.

Not All Policies Are Created The Same

No two motorcycles are exactly the same and neither are motorcycle insurance policies. Your motorcycle insurance policy can be customized to meet the specifications and modifications made to your bike. For example, two 2006 Harley Davidson models can have different policies as dictated by a variety of upgrades and differences in those two bikes. Just as there is a wealth of options to choose from when customizing your motorcycle, there is also a wealth of options to choose from when customizing your motorcycle insurance policy.

Less Money Means Less Coverage

If a motorcycle policy is significantly cheaper than an auto insurance policy, make sure you read the fine print. Often times, these policies appear to be cheaper but in reality it is because there is significantly less coverage, including personal injury coverage. Don’t expect to pay significantly less for a motorcycle insurance policy that has proper coverage. When getting a price quote, it is important to look into what you are actually getting and go beyond the bare minimum coverage.

Valuable Additions

Because of the serious nature of motorcycle accidents, it is important to be prepared. Purchasing uninsured and underinsured coverage options can help immensely when you are in a collision with a driver who does not have insurance or has too little insurance to pay for repairs and medical treatments.

Also, for insurance companies to pay for additional damages not sustained in an auto collision, you will need comprehensive coverage. This usually includes theft and vandalism, as well as natural disaster, civil unrest, and collision with an animal.

Don’t Forget Your Gear

Motorcycle riders purchase various safety equipment to ensure their personal safety on the roadways. These kind of purchases are not cheap. This kind of gear includes gloves, eyewear, helmets and protective motorcycle clothing. In North Carolina the law calls for all motorcyclist to wear an approved helmet with a secured chin scrap while South Carolina only requires those under the age of 21 to wear an approved helmet. *See state websites for more information.

Roadside Assistance

Roadside assistance for your bike goes beyond towing. This can protect motorcyclists who are taking longer trips and that may go out of state as well as those that run out of gas on the side of the road. Trip interruption is an add-on that will serve as a form of protection when something happens to your bike out on the road. This could provide extra peace of mind on long road trips and lone adventures.

When a motorcycle accident affects you or someone you love, the injury attorneys at Stewart Law Offices LLC are ready to help. Our staff is experienced in motorcycle and auto accidents. Serving the South Carolina cities of Rock Hill, Beaufort, Spartanburg and Columbia, as well as Charlotte, North Carolina, Stewart Law Offices can help get the compensation you deserve. Call us at 1-866-STEWART.

Top 10 Motorcycle Safety Tips Every Rider Should Know

Top 10 Motorcycle Safety Tips Every Rider Should Know

Motorcycles are no doubt fun and exhilarating, but they are far more dangerous than cars. According to the Insurance Information Institute, motorcyclists are almost five times more likely to be injured in an auto accident than occupants of a passenger car, and 27 times more likely to die.

With statistics like those, it is important that every rider follow these ten safety tips from the personal injury attorneys at Stewart Law Offices, LLC:

  1. Wear a helmet. It doesn’t take much speed to result in a serious brain injury – especially if your head isn’t protected. Research shows you are 40% more likely to sustain a fatal head injury if you are not wearing a helmet, so never ride anywhere without yours.
  2. Dress for the occasion. Modern motorcycle gear has evolved into lightweight armor, and you’ll be happy you have it if you are involved in an accident. The right helmet, jacket, gloves, glasses, and boots could be the difference between life and death.
  3. Choose the right bike. When shopping for a bike, make sure you choose a model that fits your height. Your feet should be able to comfortably rest on the ground when stopped, and the handlebars should be within easy reach. Consider engine power too; you don’t want a bike that’s too much to handle.
  4. Take a training course. A quick online search should yield plenty of results for nearby motorcycle safety courses. Enroll in one – they can teach you emergency-evading maneuvers that could save your life.
  5. Back brakes first. If you are riding at a significant speed, hitting the front brakes too hard will send you flying over your handlebars.
  6. Avoid bad weather. Rain doesn’t just reduce your tires’ traction with the road, it can severely limit your visibility. Check the forecast before you go riding to make sure you aren’t unexpectedly caught in a storm.
  7. Inspect your ride. Do a quick inspection of your bike before you take it for a spin. Make sure your tire pressure, mirrors, lights, belts, and chains are all in proper riding condition.
  8. Eyes on the prize. Always keep your eyes on the road. A small bump, pothole, or patch of sand is all it takes to send you flying off your bike.
  9. Drive defensively. Motorcycles can be difficult for other drivers to see, and offer little-to-no protection in the event of an accident. Always keep an eye out for cars changing lanes without warning, and maintain a safe following distance to give yourself adequate time to stop.
  10. Be in the right frame of mind. You should never operate any motor vehicle if you are under the influence, drowsy, angry, or otherwise distracted. Operating a motorcycle takes 100% of your focus, 100% of the time.

Unfortunately, you can do everything right and still end up on the wrong end of a motorcycle accident. If another driver’s negligence caused you personal injury, you are entitled to compensation for medical bills and other damages. If you live in North Carolina or South Carolina, call the personal injury attorneys at Stewart Law Offices, LLC for a free case evaluation at (888) 286-5600.

Top 10 Motorcycle Safety Tips Every Rider Should Know

Motorcycles are no doubt fun and exhilarating, but they are far more dangerous than cars. According to the Insurance Information Institute, motorcyclists are almost five times more likely to be injured in an auto accident than occupants of a passenger car, and 27 times more likely to die.

With statistics like those, it is important that every rider follow these ten safety tips from the personal injury attorneys at Stewart Law Offices, LLC:

  1. Wear a helmet. It doesn’t take much speed to result in a serious brain injury – especially if your head isn’t protected. Research shows you are 40% more likely to sustain a fatal head injury if you are not wearing a helmet, so never ride anywhere without yours.
  2. Dress for the occasion. Modern motorcycle gear has evolved into lightweight armor, and you’ll be happy you have it if you are involved in an accident. The right helmet, jacket, gloves, glasses, and boots could be the difference between life and death.
  3. Choose the right bike. When shopping for a bike, make sure you choose a model that fits your height. Your feet should be able to comfortably rest on the ground when stopped, and the handlebars should be within easy reach. Consider engine power too; you don’t want a bike that’s too much to handle.
  4. Take a training course. A quick online search should yield plenty of results for nearby motorcycle safety courses. Enroll in one – they can teach you emergency-evading maneuvers that could save your life.
  5. Back brakes first. If you are riding at a significant speed, hitting the front brakes too hard will send you flying over your handlebars.
  6. Avoid bad weather. Rain doesn’t just reduce your tires’ traction with the road, it can severely limit your visibility. Check the forecast before you go riding to make sure you aren’t unexpectedly caught in a storm.
  7. Inspect your ride. Do a quick inspection of your bike before you take it for a spin. Make sure your tire pressure, mirrors, lights, belts, and chains are all in proper riding condition.
  8. Eyes on the prize. Always keep your eyes on the road. A small bump, pothole, or patch of sand is all it takes to send you flying off your bike.
  9. Drive defensively. Motorcycles can be difficult for other drivers to see, and offer little-to-no protection in the event of an accident. Always keep an eye out for cars changing lanes without warning, and maintain a safe following distance to give yourself adequate time to stop.
  10. Be in the right frame of mind. You should never operate any motor vehicle if you are under the influence, drowsy, angry, or otherwise distracted. Operating a motorcycle takes 100% of your focus, 100% of the time.

Unfortunately, you can do everything right and still end up on the wrong end of a motorcycle accident. If another driver’s negligence caused you personal injury, you are entitled to compensation for medical bills and other damages. If you live in North Carolina or South Carolina, call the personal injury attorneys at Stewart Law Offices, LLC for a free case evaluation at (888) 286-5600.

 

How to Prepare For Your Personal Injury Case

How to Prepare For Your Personal Injury Case

If someone else’s negligence caused you injury that required medical treatment, you may be entitled to receive compensation. Sometimes, the at-fault party (or their insurance company) will offer you a settlement, but many times litigation is required.

This involves filing a lawsuit against the at-fault party, which means going through the motions of the public court process. These trials are often long and frustrating, especially when you aren’t fully prepared. Here are five things you should do before your personal injury case to give yourself a better chance of winning.
See a Doctor in a Timely Manner
It is not only important to see a doctor immediately following your injury, you need to make sure you are following their directions precisely. Waiting too long to seek medical treatment, or failing to abide by orders can lead to the at-fault party questioning the legitimacy of your injuries, or claiming that you worsened your condition.
Contact Witnesses
If there were people around when the accident occurred, collect their contact information. Witness testimonies can often be the difference between receiving the compensation you deserve, and walking away empty-handed.
Collect All Documentation
Everything you say in a court of law can and will be questioned, so make sure you can back up your claims with documentation. This includes police reports, records of doctor appointments, and receipts for medical treatments and other related costs (such as car rentals or repairs).
Use Discretion
Prior to the start of the trial, be weary of who you are sharing your information with. This pertains especially to what you post on social media. If any of your content contradicts your claims (ex: “five days after the accident and I’m feeling great!”), best believe this will be called out by the defendant. In extreme cases, insurance companies may even hire private investigators to follow you around with video cameras.
Contact an Attorney
Going to court without an attorney is like jumping out of a plane without a parachute – the odds aren’t in your favor. A qualified personal injury lawyer is familiar with the intricacies of the law, and will prepare a case that gives you the best possible chance of winning. Many law offices won’t even charge a fee unless the case is won.

If you are preparing for a personal injury case in North Carolina or South Carolina, trust the attorneys at Stewart Law Offices, LLC to represent you. Contact us online to get started with a free consultation, or pick up the phone and call (888) 286-5600.

Hit and Run—Man Assaulted Over a Moped

A Williamston man was arrested for a hit-and-run incident on April 27th. He is accused of running down the victim on Highway 29 when the victim refused to sell the hit-and-run driver his moped. After the alleged incident, the suspect drove away in his Honda Accord. The Anderson County Sheriff’s Office will be charging him with attempted murder, and the victim is now recovering at Anderson Area Medical Center.
Luckily, no one was killed in this incident, but the story could have turned out differently. In 2013, South Carolina had 719 car crashes that caused one or more fatalities. How many of those were caused by aggressive driving?
It is estimated that aggressive drivers cause almost 66 percent of all traffic fatalities, and over a seven year period, there have been 12,610 injuries and 218 deaths due to this kind of driving behavior. Criminal penalties are stiff for road rage, but they do not address the day-to-day needs of families and survivors.
How Can a Lawyer Help After a Traffic Assault?
The victim in the April 27th incident is still in the hospital with injuries and minor abrasions. Where does a victim of hit-and-run assault get the money to pay for hospital bills and wages lost from missing work? The suspect may be liable for the medical bills and property damage, and only a civil suit can pursue this kind of restitution. The injury lawyers at Stewart Law Offices can help those hurt by the negligent acts of others.
Even if the suspect is prosecuted by the state, the victim is still entitled to restitution. If you or a loved one needs help paying for bills and property damage after a car accident, consult with Stewart Law Offices. Our consultations are free, and you can schedule yours over the phone or online.
Stewart Law Offices, LLCPersonal Injury Lawyers