Insurance Tips for Motorcyclists

Motorcyclists regularly encounter dangerous road situations.

A 2009 Highway Loss Data Institute report found more than half of motorcyclist deaths involved at least one other vehicle. Forty-two percent of two-vehicle fatal motorcycle crashes involved a vehicle turning left while the motorcycle was going straight, passing or overtaking.

National Highway Traffic Safety Administration data from 2008 showed 47% of all motorcycles involved in fatal crashes collided with another type of motor vehicle.

Recent research by a Texas Tech University psychologist suggests that the regularity of this problem isn't necessarily a case of poor driving or carelessness, but may be related to a basic human miscalculation.

Pat DeLucia, the coordinator of the Human Factors Psychology Program at Texas Tech, says her research shows that small, near objects can appear farther away than larger, more distant objects. The study is published in "Current Directions in Psychological Science."

Through computer simulation, DeLucia had study participants view two objects simultaneously, one large and one small, coming at them. The viewer must decide which one will reach them first.

The study explores how the human brain perceives objects, their size and motion and time to impact. Her findings indicate that an object's size affects distance perception, causing drivers to miscalculate motorcyclists' distance and speed.

Visual cues go wrong

It seems the brain uses two visual information cues for judging time to impact. In the first, a moving object is reflected on the eye's retina. It expands as it approaches, providing the brain accurate information about when the object will hit. This is called an optical invariant.

"It's basically determined by how big that object is on your retina and how fast it is growing on your retina; those two things actually give you the right amount of information about how long it will take the object to hit you, and that's accurate information," explains DeLucia.

However, the brain also uses what you can think of as an artist's depth cue, as if one were sketching two trees, one close up and one in the distance. This cue is a shortcut, or a human "rule of thumb."

"Those depth cues are also available when an object approaches you but they don't guarantee the correct information," says DeLucia.

The study pitted the two different cues against each other by putting the artist's depth cue of which object is closer against the retina's way of viewing the object.

"People generally picked that simpler heuristic: Larger is closer," says DeLucia.

If something is big in your visual field you assume it's closer, but that's not always accurate. What seems to be happening is that when you have small vehicles that are far away and coming closer, they don't look as close as they really are, so you think you have more time before they reach you -- as opposed to a big truck where you think you have less time.

Optical illusion or human miscalculation?

Since motorcycles are smaller than cars, the brain may use this shortcut to decide that a smaller motorcycle is farther away than it actually is. This size-arrival effect can lead drivers to misjudge when a motorcycle will arrive at an intersection and could be considered a contributing factor in motorcycle/vehicle accidents.

"In 75% of crashes with other vehicles, motorcyclists hit a vehicle that was in front of them [according to NHTSA], so they should try to anticipate what other drivers may do and remain visible with lights and bright gear," says Hannah Kim, an analyst and insurance expert at NerdWallet, a personal finance site. Kim says motorcyclists should also avoid risky maneuvers, including lane splitting, weaving in and out of lanes, passing vehicles and trying to overtake other vehicles. Most of the time, drivers in other cars never see a motorcycle before it is too late.

Kim explains that despite the fact that over half of motorcyclists who died in 2011 were 40 years old and older, insurance rates are highest for those who are younger than 25 because they're considered the riskiest age group.

"It is important for motorcycle riders to act as if no one sees them and to use their horn whenever there is a chance that a vehicle will not see them," says Thomas J. Simeone, a personal injury attorney in Washington, D.C. "It is not uncommon to see accidents where a vehicle cuts off a motorcycle while turning left or enters the lane of a motorcycle."

Insurance claims for motorcycle accidents occur at a disproportionally higher rate during the initial months after the rider first purchases a motorcycle insurance policy.

Some studies from the Highway Loss Data Institute and elsewhere put the first-year motorcycle rider risk at almost four times the risk of the second-year rider. Good motorcycle insurance is especially crucial for protecting against loss.

DeLucia hopes her research will ultimately help reduce motorcycle accidents.

A tag line such as "motorcycles may be closer than they appear" could be a place to start.

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Source: Fox Business (Nelson, 12/03)

Trail users to benefit from federal funding of Recreational Trails Program

PICKERINGTON, Ohio -- Off-highway motorcycle riders and other trail users stand to benefit from up to $82.4 million in federal funding to be apportioned to 49 states in 2014 through the Recreational Trails Program, the American Motorcyclist Association reports. Only Florida opted out of the program for fiscal 2014.

"As a federal grant program that provides funds to develop and maintain recreational trails, RTP is vitally needed to continue expanding and maintaining off-highway opportunities for riders," said AMA Vice President of Government Relations Wayne Allard. "In fact, RTP funds come from excise taxes generated by fuel purchased for off-highway vehicle recreation -- off-highway motorcycles, all-terrain vehicles, snowmobiles and off-highway light trucks -- so this is money that rightfully belongs to trail users."

RTP was created by Congress in 1991 with bipartisan support. The Federal Highway Administration administers the program.

Since its inception, the RTP has leveraged more than $787 million of federal grants into more than $1.3 billion in monies to fund recreational trails. Without this vital program, many trails would not have been built and without its continuation, many will face reduced maintenance and possible closure.

Authorized funds are allocated annually by the federal government to those states that choose not to opt-out for that fiscal year. Every year the governor of each state has the option to opt-out of the RTP and deploy the funds to other non-recreational projects.

Each state then manages its funds in consultation with an RTP board that represents both motorized and non-motorized recreationists. RTP funds support motorized, non-motorized and mixed-use trails projects. The only stipulation is that 30 percent of obligated funds must go to motorized trails, 30 percent to non-motorized trails and 40 percent to mixed-use trails.

Over the last year, the AMA and the OHV community have successfully fought against the elimination of the RTP by Congress, stressing the economic and social benefits of responsible recreation. The current federal highway authorization -- known as MAP-21 -- provides $85 million dollars annually for distribution to the states. However, OHV users contribute significantly more to the federal highway trust fund.

"With next year's RTP authorization now set, it's time for off-highway vehicle recreationists across the nation to contact their grant administering agencies and work to secure grants to fund trails projects." said Sean Hutson, AMA legislative assistant. "After all, it's the fuel taxes paid by the OHV community in particular that fund the entirety of this important program."

This marks the second consecutive year that Florida has opted-out of the annual RTP allocation, giving up $5.2 million in funding already paid for by that state's off-highway vehicle recreation community. As a result, Florida has fewer funds to create and maintain safe recreational trails for responsible users.

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Source: AMA (AP, 9/03)

TxDOT: Motorcyclists dying in record numbers

McALLEN, Texas — Former McAllen firefighter Ronaldo "Ronnie" Gomez considers himself one of the lucky ones.

In May 2008, a suspected drunk driver clipped him as he turned his motorcycle at the intersection of North 10th Street and Trenton Road.

He sustained a punctured lung, broken ribs, a broken eye socket, a broken nose and hip injuries. And the lower portion of his left leg would be amputated.

But he survived.

"I was in bad shape," Gomez recalled. "The doctor said that if it wasn't for the physical condition that I was in — a condition you have to keep up when you're a firefighter — I might have not come out of it."

The 28-year veteran firefighter would have to learn how to walk again with a prosthesis; his injuries would force him to retire.

"It's usually the guy that you don't see that gets you," he said, reflecting on the wreck during a recent interview.

Experts agree.

The two places where serious motorcycle collisions commonly occur are at intersections and when changing lanes, Texas Department of Transportation officials said.

The agency launched a "Share the Road" campaign in April in part to highlight a dire trend: Motorcyclists are dying in record numbers, and if aggressive steps to promote safety on the road are not taken, the statewide death toll could double within four years, according to a TxDOT news release.

Motorcyclists and their passengers accounted for 14 percent of the state's traffic deaths with 434 fatalities in 2009, the year for which the most recent statistics were available, according to TxDOT. More than 5,800 others were also seriously injured that year.

The 60-year-old Gomez, who began riding motorcycles when he was 15, noted two key survival factors: Experience and training, he said, will help motorcyclists learn how to better maneuver their bikes during heavy traffic, hazardous weather and emergency situations.

But there has been a dramatic increase in the number of new motorcyclists on the roadways, which might mean more inexperienced drivers. The number of motorcycles in Texas alone has more than doubled to 422,815 in the last decade and is expected to double again in the next four years, according to TxDOT.

Rising gasoline prices may be one of the driving forces behind the spike.
"We know that 66 percent of motorcycle crashes result in death or serious injury for the motorcyclist," said Carol Rawson, TxDOT's Traffic Operations director. "As more and more people turn to motorcycles for affordable transportation and recreation, it's more important than ever to remind drivers to look twice for motorcycles."

At least three people from the Rio Grande Valley have died in collisions since the beginning of the year, including Edcouch-Elsa School Board President Benigno "Benny" Layton, who was involved in a single-vehicle accident near San Antonio.

Layton was wearing a helmet at the time of the wreck, but even with the protective gear, drivers are still vulnerable because motorcycles don't have seatbelts, which increases the risk of ejection.

Under Texas law, all riders under the age of 21 are required to wear a helmet when operating a motorcycle. But riders 21 and older may choose to ride without one if they have completed a safety course or are covered by an applicable insurance plan.

The Department of Public Safety location in McAllen does not offer any training courses, but there are at least two other locations where riders can look for guidance — Edinburg's Coastal Cycle Academy, which meets at the University of Texas-Pan American's parking lot, and Harlingen's Texas State Technical College, 1902 North Loop 499. The courses are designed to help both new students and more experienced drivers, as well.

Despite his wreck, Gomez continues to ride — on a slightly modified three-wheeled motorcycle with his firefighter riding club, the Dragon Slayers.

But he offers a word of caution.

"I have friends that said to me, `I have a bike and I saw your accident and I don't trust myself with it,'" Gomez said. "If you have any negative thoughts about riding, don't get on it because you have to have a clear mind when you ride.

"You have to be in the right mindset."

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Source: http://www.chron.com/disp/story.mpl/ap/tx/7585759.html
By Naxiely Lopez, The Monitor

The Cole Legal Group Promotes “Sharing the Road” with Motorcycles By Joining Efforts with State and Federal Partners

May Proclaimed Motorcycle Safety Awareness Month.

[Dallas, Tx] – Motorcyclist fatalities have steadily increased over the past decade. In fact, there was a 2 percent increase in fatalities from 5,174 in 2007, to 5,290 in 2008.

That’s why The Cole Legal Group announced today that it is joining with other federal, State and local highway safety, law enforcement, and motorcycle organizations in proclaiming May as “Motorcycle Safety Awareness Month.”  All motorists and other road users are reminded to safely “share the road” with motorcycles and to be extra alert to help keep motorcyclists safe.  Motorcyclists are reminded to make themselves visible to other motorists.  All road users are reminded to never drive, walk or bicycle while distracted.

“As the weather improves, more and more motorcyclists are hitting the roads,” said local biker friendly lawyer, David Cole. “And with that in mind, pedestrians, bicyclists, and drivers of all vehicles, including SUVs, passenger cars or trucks, need to be extra attentive and make sure you ‘share the road.’  A motorcycle is one of the smallest vehicles on our roads, often hidden in a vehicle’s blind spot. Everyone needs to aggressively look for them.”

It’s crucial that motorists and bicyclists always make visual checks for motorcycles by checking mirrors and blind spots before entering or leaving a lane of traffic and at intersections.  Pedestrians should also scan for motorcyclists who might be hidden by other traffic.

“Motorcyclists have responsibilities, too,” Cole said. “They should follow the rules of the road, be alert to other drivers, never ride while impaired or distracted, and always wear a Department of Transportation-compliant helmet and other protective gear.”

Cole said that a motorcyclist is much more vulnerable than a passenger vehicle occupant in the event of a crash.  He said that research  from the National Highway Traffic Safety Administration shows that per vehicle mile traveled, motorcyclists are about 37 times more likely than passenger car occupants to die in traffic crashes.

David Cole offered several tips for drivers to help keep motorcyclists safe on our roadways:

• Remember, the motorcycle is a vehicle with all of the rights and privileges of any other motor vehicle on the roadway.  Always allow a motorcyclist the full lane width—never try to share a lane;
• Always make a visual check for motorcycles by checking mirrors and blind spots before entering or leaving a lane of traffic and at intersections;
• Always signal your intentions before changing lanes or merging with traffic;
• Don’t be fooled by a flashing turn signal on a motorcycle – motorcycle signals are often not self-canceling and riders sometimes forget to turn them off. Wait to be sure the motorcycle is going to turn before you proceed;
• Allow more following distance, three or four seconds, when behind a motorcycle so the motorcyclist has enough time to maneuver or stop in an emergency. And don’t tailgate. In dry conditions, motorcycles can stop more quickly than cars.
• Never drive while distracted. 

Davide Cole said motorcyclists can increase their safety by:

• Avoiding riding in poor weather conditions;
• Wearing brightly colored protective gear and a DOT-compliant helmet;
• Using turn signals for every turn or lane change, even if the rider thinks no one will see it;
• Combining hand signals and turn signals to draw more attention to themselves;
• Using reflective tape and stickers to increase conspicuity; and
• Positioning themselves in the lane where they will be most visible to other drivers.
• Never driving while impaired. 

Our message to all drivers and motorcyclists is: make this the first year in recent years when motorcycle fatalities do not increase. Help to share in the responsibility and do your part by safely “sharing the road.”