Motorcycle Insurance

Oct. 2 2009 I was out on my Harley Davidson motorcycle on my way to a job when some one turned left in front of me. I had two choices. Hit the pickup or lay down my beautiful bike. I chose to lay down the bike over hitting the truck. People that ride their bikes into other cars and trucks don't do so well. My bike sustained sever damage. The truck responsible had no damage. I was hurt and angry. I called the police, not the driver of the truck. The driver of the truck seamed to not care if I was alive or dead. They didn't come to see if I was OK or if I needed help. The only call to the 911 operator was mine. When the emergency people of Ogden Fire and Police arrived they did their typical good job. Ogden has some of the best emergency responders in the United States. I thank you. I had some serious injuries! The investigating Officer collected all the information to make a case against the driver of the pickup for failure to yield right of way, driving on suspended driver's license and no insurance. The no insurance part left me to deal with a $20,000 motorcycle that has $8,000 in damages, my injuries and not being able to work. I have insurance! What would have happened if I had been killed? Who would have taken care of my family? It is simply STUPID and against the law to drive around without insurance! John G. Moon Ogden

The comments to this article point out that regardless of the law people, for whatever reason, will persist in driving without insurance.  So what is a motorcycle rider to do?  Buy insurance yourself, that's what!  This is even more important in tough economic times because the estimate of uninsured drivers in Utah is about 12 percent.  In other words 12 out of every 100 drivers are out there driving without any vehicle insurance whatsoever!

When you purchase motorcycle insurance you can purchase what is called underinsured coverage and uninsured coverage.  Underinsured coverage kicks in if the driver who causes the crash has insurance but not enough to cover your damages.  For example let's assume the offending driver, like in the article above, turns left in front of you and causes the crash.  Let's also assume, not like in the article above, that the offender has the minimum coverage for bodily injury in Utah, $25,000.  Let's also assume that your total damages are $100,000.  You may get the offender's policy limits of $25,000 but what about the remaining $75,000 you lost?  If you had purchased adequate underinsured coverage of $100,000 that underinsured coverage would kick in because the offender was underinsured.
Uninsured coverage kicks in if the offending driver has no insurance coverage, like in the article above.  In that case, with clear and convincing evidence, you would make a claim on your own uninsured coverage.  If you had purchased $100,000 in uninsured coverage chances are your own insurance would pay for all of your damages.
So the answer is to make sure you carry enough insurance yourself to cover your damages should the other driver that causes the crash either does not carry enough coverage or no insurance coverage at all.  Furthermore, underinsured coverage is a right in Utah.  Often I discover that our clients have not made a knowing waiver of that right and under Utah law if that right to underinsured coverage is not made knowingly you are entitled to full underinsured coverage.  At utahbikelaw it is part of our routine investigation to make sure that you get what you are entitled to under the law in Utah when you are in a motorcycle crash.

New BMW Designs 2011

The design of this car had been realised by Julian Bumbu and it represents the future car designs. This car’s rival seems to be Audi R8 because of the similar aspect. It looks to be a very low, aerodynamic and long car so it can reach high speeds. Julian Bumbu applied some skills learned at a Milanese automotive design program to a BMW etude.

I read that this car can be build and opened to the public. The front and rear side is similar to the new 2010 5 Series excepting the sport aspect and the fact that it has two doors. This concept is made 100% by Iulian and it represents the future sport car.

If you look for my opinion, this car is awesome. I think those lines are making this car to have a very futuristic aspect and they make this car to be very aerodynamic but at the moment this car remains fiction.

New car sales drop for fifth month

New car sales have slumped for the fifth successive month.

Sales in November 2010 totalled 139,875 – an 11.5% fall on the November 2009 figure, the Society of Motor Manufacturers and Traders (SMMT) said.

The downturn this year reflects the ending of the Government’s car scrappage scheme which boosted sales in the second half of last year.

However, the fall last month was not as steep as had been anticipated and the SMMT is predicting total sales for this year will exceed two million.

Sales for the first 11 months of 2010 now stand at 1,907,029 – a 3.4% rise on the January-November 2009 period.

SMMT chief executive Paul Everitt said: “New car registrations fell by less than expected in November, with demand from the fleet sector helping to offset the market rebalancing following the end of the scrappage incentive scheme.”

He went on: “Registrations are expected to fall next month, but demand may benefit from motorists looking to avoid the January VAT rise. This factor, coupled with the strength of the first half of 2010, means year-end volumes are expected to lift to over 2.03 million units – 2% up from last year.

“Next year will continue to be challenging as consumer spending tightens and the Government’s austerity measures take effect.”

The SMMT said the November 2009 new car sales included around 35,000 vehicles – more than 22% of the total – which were bought through the scrappage scheme. Sales in 2011 are expected to fall around 5% to 1.93 million.

Diesel cars took 53% of the market last month, while registrations of alternatively-fuelled cars jumped 83.5% to give them a 1.3% share of the November market. The top-selling models in November 2010 were Ford Fiesta, Ford Focus, Volkswagen Golf.