Motorcycle Insurance Misconceptions Part 7 – The Insurance for The Car That Hit Me Will Pay My Bills!

MOTORCYCLE INSURANCE MISCONCEPTION PART 7 -THE INSURANCE FOR THE CAR THAT HIT ME WILL PAY MY BILLS!

Another common misconception I hear is that if the biker is not at fault for the collision, the insurance for the car that is responsible will pay their damages. This is only partially true.

Car insurance, not motorcycle insurance, has two general categories; liability coverage and coverage that protects the operator and his or her passengers known as “no fault” insurance. As stated in a previous post, if you are injured in a motorcycle collision, even if it wasn’t your fault, there is no “no fault” insurance for the motorcycle occupants. Under New York’s rules, you are NOT eligible for the car’s no-fault coverage because you were not a passenger in the vehicle. Your damages can be covered by the liability portion of the car’s insurance policy, but the problem is when those damages are paid.

The insurance company for the car responsible for your injuries can’t be MADE to pay anything until a jury orders them to pay. And that may be YEARS after you were injured. They won’t pay your lost wages as they are incurred. You can’t submit your medical bills and have them paid as you receive treatment. Under the liability portion of a policy, insurance companies make only one payment in full and final settlement of your case. Depending on the complexity of your case and the nature of your injuries, that could take years.

For a limited time, I am offering a FREE INSURANCE REVIEW! Send me a copy of your motorcycle insurance declaration page by fax or e-mail, and I will explain to you what your policy covers and what it doesn’t, and also recommend coverage amounts you should consider to make sure you are protected in the event of a motorcycle collision.

This post is the seventh in a eight-part series based on my book, “Would You Ride Your Motorcycle Naked?” My book is available FREE to New York and Pennsylvania bikers, and to those whose loved ones are bikers. Click the link above to get your free copy now, before it is too late!

Thanks for reading,

Adam M. Gee, Esq.
______________________________
NY and PA Motorcycle Attorney
The Ziff Law Firm, LLP
303 William Street
Elmira, NY 14901
Phone: (607)733-8866
Fax: (607)732-6062
Email: agee@zifflaw.com
www.zifflaw.com

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Motorcycle Insurance Misconceptions Part 6 – MY MOTORCYCLE INSURANCE WILL PAY MY BILLS!

MOTORCYCLE INSURANCE MISCONCEPTIONS PART 6 – MY MOTORCYCLE INSURANCE WILL PAY MY BILLS!

“My motorcycle insurance covers my medical bills and lost wages just like my car insurance”

Another common misconception people have is that their motorcycle coverage will cover their medical bills and lost wages just like their car insurance. Nothing could be further from the truth. Unlike with cars, there is no “no fault” coverage for motorcycles. Basic motorcycle coverage is designed to cover property damage and personal injuries sustained by others in the event you are found responsible for a collision. It is not designed to protect YOU!

For a limited time, I am offering a FREE INSURANCE REVIEW! Send me a copy of your motorcycle insurance declaration page by fax or e-mail, and I will explain to you what your policy covers, and what it doesn’t, and also recommend coverage amounts you should consider to make sure you are protected in the event of a motorcycle collision.

This post is the fifth in a eight-part series covered in my book, “Would You Ride Your Motorcycle Naked?” It is available FREE to New York or Pennsylvania bikers, and to those whose loved ones are bikers. Click the link above to get your free copy now, before it is too late!

Thanks for reading,

Adam M. Gee, Esq.
______________________________
NY and PA Motorcycle Attorney
The Ziff Law Firm, LLP
303 William Street
Elmira, NY 14901
Phone: (607)733-8866
Fax: (607)732-6062
Email: agee@zifflaw.com
www.zifflaw.com

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Motorcycle Insurance Misconceptions Part 5 – My Homeowner’s Insurance Will Cover Me!

MOTORCYCLE INSURANCE MISCONCEPTIONS PART 5 – MY HOMEOWNER’S INSURANCE WILL COVER ME!

Another misconception I have heard over and over is that your home owner’s insurance will cover an accident on your motorcycle.

THIS IS ABSOLUTELY FALSE!!! Your home owner’s insurance has an exclusion for accidents occurring in or on almost any vehicle required to be registered with the State of New York and absolutely will not cover an accident occurring on a motorcycle!!!

The ONLY insurance that will cover you for injuries sustained in a motorcycle collision is your motorcycle policy and any private health insurance coverage you may have.

For a limited time, I am offering a FREE INSURANCE REVIEW! Send me a copy of your motorcycle insurance declaration page by fax or e-mail, and I will explain to you what your policy covers, and what it doesn’t, and also recommend coverage amounts you should consider to make sure you are protected in the event of a motorcycle collision.

This post is the fifth in a eight-part series covered in my book, “Would You Ride Your Motorcycle Naked?” It is available FREE to New York or Pennsylvania bikers, and to those whose loved ones are bikers. Click the link above to get your free copy now, before it is too late!

Thanks for reading,

Adam M. Gee, Esq.
______________________________
NY and PA Motorcycle Attorney
The Ziff Law Firm, LLP
303 William Street
Elmira, NY 14901
Phone: (607)733-8866
Fax: (607)732-6062
Email: agee@zifflaw.com
www.zifflaw.com

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Motorcycle Insurance Misconceptions Part 4 – My Car Insurance Will Cover Me If I am Hurt On My Motorcycle!

Motorcycle Insurance Misconceptions Part 4 – My Car Insurance Will Cover Me If I am Hurt On My Motorcycle!

As previously mentioned, there are a lot of misconceptions about motorcycle insurance. I couldn’t begin to list of all of them, but I will discuss and dispel the most common and most dangerous one I hear on a regular basis in the motorcycle collision cases I handle.

MISCONCEPTION #1

“No worries, my car insurance will cover me if I am hurt on my motorcycle!”

The single most common misconception I hear is people thinking they don’t need to purchase a lot of motorcycle coverage, because their car insurance will cover them in the event of a collision. DON’T MAKE THIS CRITICAL MISTAKE! You are NOT covered by your car insurance for an accident on your motorcycle! In fact, every motor vehicle policy contains an exclusion specifically denying coverage for injuries sustained while operating a motorcycle. It doesn’t matter whether your car insurance is through the same company, whether the bills get mailed to you in the same envelope, or whether the same agent sold you the policy. Your car insurance WILL NOT cover you for an accident with your motorcycle.

This post is the fourth in an eight-part series covered in my book, “Would You Ride Your Motorcycle Naked?” It is available FREE to New York and Pennsylvania bikers, and to those whose loved ones are bikers. Click the link above to get your free copy now, before it is too late!

Thanks for reading,

Adam M. Gee, Esq.
______________________________
NY and PA Motorcycle Attorney
The Ziff Law Firm, LLP
303 William Street
Elmira, NY 14901
Phone: (607)733-8866
Fax: (607)732-6062
Email: agee@zifflaw.com
www.zifflaw.com

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Motorcycle Insurance Fallacy No. 3 – Your Insurance Agent Will Make Sure You Have The Right Coverage

FALLACY #3 – Your Insurance Agent Will Make Sure You Have The Right Coverage

The third reason people think they have the right kind and right amount of insurance is because their insurance company tells them they do. When a biker needs insurance for his or her motorcycle, they have two choices. They can walk into a local insurance agent’s office or, as more and more people do everyday, they can get their insurance on line or over the phone. When you walk into a local insurance agent’s office, what do you see above the door? Probably a big sign advertising the name of the insurance company they sell policies for. So who do you think that insurance agent works for, how do they get paid? They get paid by the insurance company for selling you a policy of insurance. Let me put it more bluntly: your insurance agent works for his insurance company, not for you! And those people you talk to on the 1-800 numbers? They work for the insurance company, too.

In NY, Insurance agents aren’t like other professionals. Your doctor, your lawyer, your accountant and your architect all owe you a duty of care. They have an obligation to look out for your best interests. If they breach that duty by failing to exercise a reasonable degree of care, you have the right to sue them for it. But insurance agents are different. They don’t owe you a duty because they don’t work for you. They are in essence representatives of the insurance companies. If they fail to sell you the right kind and right amount of insurance you cannot sue them for it.

Just like every other profession, there are good, bad and indifferent insurance agents. The difficult part is telling the good ones from the rest. Since this is my book, I am going to take the liberty of generalizing about insurance agents. Because insurance agents don’t work for you, they will try to push you toward the product they sell that has the highest profit margin for them. At the same time, they will steer you away from insurance products that carry the greatest risk to their employer. They do this in the interest of maximizing their own fees and keeping their employer, the insurance company, happy. Is that the kind of insurance you want? The kind that makes your insurance agent the most money and minimizes the risk for the insurance company? If not, please read on.

This post is the third in an eight-part series covered in my book, “Would You Ride Your Motorcycle Naked?” It is available FREE to New York or Pennsylvania bikers, and to those whose loved ones are bikers. Click the link above to get your free copy now, before it is too late!

Thanks for reading,

Adam M. Gee, Esq.
______________________________
NY and PA Motorcycle Attorney
The Ziff Law Firm, LLP
303 William Street
Elmira, NY 14901
Phone: (607)733-8866
Fax: (607)732-6062
Email: agee@zifflaw.com
www.zifflaw.com

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Motorcycle Insurance Fallacy No. 2 – Insurance Is Confusing

FALLACY #2 – Motorcycle Insurance is Confusing – Get Your FREE Motorcycle Insurance Review!

A second reason people sometimes believe they have the right insurance is because insurance is so darn confusing! I deal with insurance and insurance companies every day. I actually read those big fat insurance contracts your insurance company sends you every six months. I make a living fighting with insurance companies and making them live up to their promises, so I HAVE to read those policies. You don’t have to, and probably never have. I don’t know anyone other than contract lawyers who enjoy reading 75 page contracts, so I don’t blame you a bit. Insurance is confusing, but it isn’t rocket science. Your insurance company could write those contracts in a way everyone could easily understand if they wanted to, but the truth is they don’t WANT you to understand those contracts. They don’t want you to understand their obligations to you. They don’t want you to question what they are doing. Insurance companies only want one thing from you; a check every month.

The truth is that someone who knows what they are looking for can tell you whether your coverage is appropriate in about 15 seconds. The first page of the thick renewal packet the insurance company sends you every year is what is called a declaration page, which gives you a thumbnail view of your insurance limits. For a limited time, I am offering a FREE INSURANCE REVIEW! Send me a copy of your motorcycle insurance declaration page by fax or e-mail, and I will explain to you what your policy covers, and what it doesn’t, and also recommend coverage amounts you should consider to make sure you are protected in the event of a motorcycle collision.

This post is the second in a eight-part series on topics covered in my book, “Would You Ride Your Motorcycle Naked?” It is available FREE to New York and Pennsylvania bikers, and to those whose loved ones are bikers. Click the link above to get your free copy now, before it is too late!

Thanks for reading,

Adam M. Gee, Esq.
______________________________
NY and PA Motorcycle Attorney
The Ziff Law Firm, LLP
303 William Street
Elmira, NY 14901
Phone: (607)733-8866
Fax: (607)732-6062
Email: agee@zifflaw.com
www.zifflaw.com

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Motorcycle Insurance Fallacy No. 1 – Bikers Already Think They HAVE the Right Insurance

FALLACY #1 Bikers Think They Already HAVE The Right Insurance

The problem isn’t that people don’t care enough to buy the right kind of insurance. And the problem certainly isn’t that people can’t afford the right kind of insurance, as will be discussed below. The problem is that people THINK they DO have the right kind of insurance when in fact they do NOT!

People often think they have great insurance (when in reality it isn’t nearly enough) because there are a lot of misconceptions about motorcycle insurance. I have heard these same misconceptions over and over again from people of varying ages and varying income levels. I don’t know how these misconceptions became so well rooted in the motorcycle community, but the most common ones will be exposed in this series.

This post is the first in an eight-part series on topics covered in my book, “Would You Ride Your Motorcycle Naked?” It is available FREE to New York and Pennsylvania bikers, and to those whose loved ones are bikers. Click the link above to get your free copy now, before it is too late!

Thank for reading,

Adam
______________________________
Adam M. Gee, Esq.
NY and PA Motorcycle Attorney
The Ziff Law Firm, LLP
303 William Street
Elmira, NY 14901
Phone: (607)733-8866
Fax: (607)732-6062
Email: agee@zifflaw.com
www.zifflaw.com

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What You Don’t Know Can Hurt You: 8-Part Blog Series to Reveal Misconceptions about Motorcycle Insurance

In my practice, I’ve represented many victims of motorcycle accidents. Time and time again, I have heard my clients voice the same lamentable, mistaken beliefs about their insurance coverage.

You expect your insurance to cover you. That’s why you have it, right? Unfortunately, I have been in the position of explaining to people that motorcycle insurance is different. Some damages that would be covered if the accident happened while you were driving a car are NOT covered if you are on a motorcycle.

Too many times I have had to tell people that their recovery was limited because of the type and amount of insurance they chose to buy.

I decided to write a book about motorcycle insurance, “Would You Ride Your Motorcycle Naked?” to explain precisely how to obtain the proper coverage and dispel some of the false ideas about motorcycle insurance. My book is available free to New York or Pennsylvania accident victims, or you may order a copy for $12.95.

This post introduces an eight-part series based on my book. I’m going to explain the three fallacies and five most common misconceptions about motorcycle insurance – and hopefully my knowledge will help some motorcyclists before it’s too late.

By the time someone is sitting in my office, it is too late for the secrets I will reveal in my book to do them any good. I have wished many times that I could go back in time and help people choose the right coverage before the accident took place.

I finally got tired of wishing and feeling bad for people, and decided to get off my duff and do something about it. I wrote my book to put this information in people’s hands before they ever have a crash. Now I’m blogging about some of the most important features in my book, to spread this important information in another form.

Check back soon for more posts in this series.

Thanks for reading,

Adam
_____________________________
Adam M. Gee, Esq.
NY and PA Motorcycle Attorney Attorney
The Ziff Law Firm, LLP
303 William Street
Elmira, NY 14901
Phone: (607)733-8866
Fax: (607)732-6062
Email: agee@zifflaw.com
www.zifflaw.com

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Strong Family Advocate Saves Life, But Kills Malpractice Case

medical symbolsI recently received a letter seeking my professional opinion on the merit of a malpractice case against a local hospital, the Corning Hospital, in Corning, NY.

Without intruding on the privacy of the letter writer, I do want to share some of the details and my reply, because I believe the reasoning behind my answer has implications in many malpractice cases.

Here is a brief summary of the letter asking for my opinion:

The letter writer was admitted to Corning Hospital with pneumonia. Although she complained of buttocks pain, the nurse said it was “probably” pressure from a urinary catheter and it would go away.

The next day, in ICU, the patient complained again of her buttocks hurting. Her sister, a nurse, was present and heard the Corning Hospital nurse tell the patient to stay off that area but otherwise offered no additional medical care.

The following day, the sister examined the area of concern and was horrified by what she saw– a very large, obviously infected wound with dead, black skin.

The sister insisted the patient be immediately seen by an infectious disease doctor– that is a specialist doctor who deals with infections. Initially, the sister was told that the Corning Hospital did not have an infectious disease doctor but when the sister told the Corning Hospital staff that she knew that New York State regulatons required every hospital to have an infectious disease doctor available for consultation, the staff said they would see what they could do…..

More time passed and the sister again had to continue to be insistent to get any response from the hospital staff. Eventually the patient was examined by an infectious disease doctor who immediately ordered that the patient be prepped for emergency surgery debridement [cleaning out] of the infected area.

Further surgical intervention, including a colostomy, was required and the patient was transferred to Rochester General Hospital, for further debridement of the area and a colostomy. She was diagnosed with necrotizing fasciitis which is commonly (and mistakenly) referred to as a “flesh eating” infection. In fact, this infection does not eat flesh but it IS a very dangerous and very fast-spreading infection that can kill a person if not promptly treated.

She concludes with asking for my opinion on a possible case: “I am writing to see if indeed there was medical neglect on the part of Corning Hospital. Early diagnosis and medical treatment are essential with necrotizing fasciitis. Time is of the essence with necrotizing faciitis and the wound was not treated nor monitored for a day after my nurse made a note of it… If indeed there is possible medical neglect on the part of Corning Hospital, I wish that you contact me so that the matter may be pursued.”

The letter writer’s story is a harrowing example of how quickly a medical situation can deteriorate without quick response from hospital staff. As bad as the situation became, however, this patient was lucky to have a family member acting as a staunch advocate. Below is my reply to the query about possible legal action:

I consulted a doctor whom I consult on all possible medical negligence actions. Long story short, he unfortunately tells me that he does NOT believe that you have a viable basis for pursuing a medical negligence action. To understand this conclusion, please let me provide a little legal background:

A successful medical malpractice action requires proof of three elements:

1. Liability – that a doctor departed from an accepted standard of medical care;

2. Causation – that the doctor’s departure from the standard of care was the cause of an injury; and

3. Damages – that due to the doctor’s departure from the standard of care which caused an injury, you have suffered substantial financial and non-financial damages.

The issue in your case is whether the one-day delay between noting the “red area” on your buttocks and the performance of the emergency debridement the next day constituted a departure from the accepted standard of medical care (Element #1 above)?

My medical consultant says that unfortunately a one-day delay under the circumstances of your case does not constitute a departure from the accepted standard of care. He points out that bed-ridden patients frequently have “red areas” on their buttocks but that does not mean that every patient with a red area is suffering from necrotizing fasciitis which is a very fast-moving infection — many times a red area may simply be a skin irritation or some other relatively minor problem.

Accordingly, the standard of care when a reddened area like that is observed is to monitor for changes in the reddened area over time. In your case, the reddened area changed very rapidly over the course of the next day but luckily your sister kept pushing the doctors to examine you and ultimately to intervene by performing the emergency debridement surgery…

My medical consultant is quick to add how fortunate you were to have your sister present who was a very aggressive advocate on your behalf. He feels that had she not been present, and aggressively advocating on your behalf, you very well may have died.

The ironic bottom line here is that while your sister may have saved your life she also probably saved the hospital from what would have been a big medical negligence action.

What I mean by this is that had your sister not been present, it is very likely that you would have been parked in a corner for day-after-day like any other patient with your condition progressing to a much more advanced degree that ultimately would have killed you. If that had occurred — with the nursing and medical staff ignoring or failing to properly treat a known problem — you would have had a good medical negligence claim, but sadly you would not be alive today.

I regret to be the bearer of bad news but I trust you appreciate the reasons for my declining your case. Of course, another attorney may feel differently about the merits of pursuing a claim and therefore I urge you to seek a second opinion. In any event, please understand that the New York time limit for pursuing a medical negligence claim is two and a half years from the date of the alleged malpractice.

I ended my reply by extending my wishes that this patient get in touch with me if she had any further questions or if I could be of assistance in the future. It is unfortunate that her health was jeopardized by a lag in treatment, but her case doesn’t meet the requirements for medical negligence.

Thanks for reading,
Jim
______________________________
James B. Reed, Esq.
NY Malpractice Attorney
Ziff Law Firm, LLP
303 William St., Elmira, NY 14901
Tel: (607) 733-8866
Fax: (607) 732-6062
Toll Free: 1-800-943-3529
Email: jreed@zifflaw.com
Web: http://www.zifflaw.com

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Deadly Mix: Alcohol and Young Driver Cause Steuben County Car Crash

Ambulance-emergencyA volatile and deadly combination kills and maims far too many young adults. The mix? A young, intoxicated driver and a car full of young passengers. It is pretty much a recipe for tragedy.

WETM-TV recently ran the story “Drunken Crash Injures Two” (Honda, 9/6).

Shortly after midnight on Sunday, Steuben County Sheriff’s deputies say that 18-year old Jacob Canute crashed his truck along County Route 22 in Cameron.

Canute had two teenage passengers in the truck, according to the Rochester Democrat & Chronicle – 18-year-old Thomas Robbins, and 18-year-old Eric W. Graham, both of Cameron. Both were thrown from the vehicle in the one-car crash.

Robbins was flown to Robert Packer Hospital in Sayre, where he was treated and released. Graham went first by ambulance to Corning Memorial Hospital, then by helicopter to Packer, where at last report he was still, in fair condition.

Canute has been charged with several infractions, including driving while intoxicated. He attempted to walk away from the accident. The Democrat & Chronicle reported a strange twist – his 18-year-old girlfriend, Ashley M. Woodard, tried to take the blame for driving the truck at the time of the accident. She was also intoxicated and not even in the truck at the time of the crash. Her bid to take the fall landed her with charges of obstructing governmental administration, falsely reporting an incident and consuming alcohol under the age of 21 – but didn’t fool authorities as to the real identity of the driver.

I just hope these passengers will be OK. So far, Canute faces charges of DWI, leaving the scene of a property damage accident, and first-degree aggravated unlicensed operation. He was being held in the Steuben County Jail in lieu of $1,000 bail.

Thanks for reading,

Jim
_________________________________________
James B. Reed, Esq.
Personal Injury & Malpractice Attorney
Ziff Law Firm, LLP
303 William St., Elmira, NY 14902
Tel. (607) 733-8866 Fax. (607) 732-6062
Toll Free 1-800-943-3529
mailto:jreed@zifflaw.com http://www.zifflaw.com

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