Motorcycles, Passenger claims and Red Lights

 

Daytona Bike Week is just around the corner.  Here is some more timely and hopefully helpful info for passengers during bike week.

When  a passenger on a motorcycle is injured, usually in a left turn type accident,  he has two possible claims: one is against the driver/operator of the motorcycle and the other is against the other driver who turned in front of the oncoming motorcycle.  These types of accidents frequently occur at a traffic light when the motorcycle is in the outside lane, and is obscured by other vehicles from view by the turning driver . 

If  it is a one vehicle crash,  then the passenger has a claim against the driver.  There was a tragic story about a woman who was left for dead on the road by a motorcycle driver.  Her estate would have a claim against him. The driver was sent to prison for five years.

The classic example of this type of accident is discussed in Zimmerman v  Langlais.  There, the minor passenger on a motorcycle was injured when the motorcycle he was a passenger on was going 50 mph in the outside lane and went through a "yellow" light at an intersection.  The accident happened at night.  The car driver was waiting under the light  to turn left and could not see the oncoming motorcycle because it was obscured by cars in the inside lane.  The car driver turned left into the motorcycle when the light turned red.  The jury found the left turning driver not at fault.

The Zimmerman case is a good example of the rule that evidence of a traffic violation (running a red light) is only evidence of negligence, not negligence "per se."  So,  jury could exonerate the left turning driver  even though she ran a light and caused injuries As so often happens in  left turn cases, the entire blame was placed on the motorcyclist by the jury.

Insurance companies know these types of accident often happen.  They sometimes exclude any claims by passengers against the driver/operator and/or the insurance company.  The exclusion is not against the public policy and is therefor legitimate under Florida law.Yakelwicz v. Barnes.

My recommendation: ride with a safe driver who has plenty of insurance.  If he has none, be sure to get uninsured motorists coverage.  It protects you if your driver has none and is at fault.  I discussed these issues in my previous blogs here and here.

 

Motorcycles and The Knowledge Gap

Daytona Bike week is around the corner.  Its an exciting time for bikers coming into the area.  Most will leave with great memories.  Experience tells us some will leave with most of their body parts, and some will not leave at all.  Some will lose friends and have damages to their motorcycles.  NHTSA estimates the chances of a fatality on a motorcycle are 30 times higher than in a car.  I recall one biker who had suffered a traumatic castration.  You should have seen the look on his face when he learned there was only $10,000 of insurance.

Out of curiosity I called a Florida agent who offers biker insurance through six major carriers.  Based on what she said, I think there is a knowledge gap about UM (Uninsured or underinsured motorists) coverage.   This whole area of UM and rejections was discussed in another Blog.

Here are some of the highlights of what I found out:

  • The agent could not explain the legal differences between UM and HMO/Group coverage
  • Bikers think they can skip getting UM when they have a major medical  or HMO policy to cover their medical bills

If the agent doesn't know,  how is a Biker supposed to make an informed decision to buy the UM or not?


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Motorcycle Cases: Rear Enders and Left Turns

Having had the privilege of representing Bikers (and going to trial for many of  them) who were seriously injured while riding their motorcycles, there are a couple of things that all motorists need to be reminded about.  First, motorcycles are not as easy to see as larger vehicles and second, injuries involving them, are always extremely serious, and include brain damages due to head injuries, death, paralysis and amputations.  A minor case involves severe road burns and/or scarring. I once got a call from an Alabama man whose beautiful young daughter lost a leg while on the back of her friend's motorcycle.  She had promised to stay off his bike when she was allowed to come to Daytona...Because of the severity of injuries, most cases settle with little legal effort for the "policy limits."  This means the at fault driver had so little insurance it was not  even a fight to get.  Bikers ought to consider getting Uninsured Motorists coverage for as large a limit as possible if they continue to ride.

There are two major accident types which cause these injuries: 

  • Drivers who make a sudden left turn into and across the path of the Biker, and
  • drivers who rear end the bikers.  Rarely do you hear of a biker who turned into the path of an oncoming vehicle.  My biker friends are sober "as a Judge" when going for a ride, have gone to motorcycle school and leave plenty of room to maneuver when on the road.

In my experience, the biggest challenge to getting a fair trial for a Biker is during Jury selection.  In my opinion  jurors are still of the opinion that Bikers are devil may care, reckless and thrill seekers, even willing to take life and limb risks to ride their bikes.  People who own motorcycles are usually knocked off by the defense using their peremptory challenges.  To prejudiced or ignorant jurors hearing a motorcycle injury case, it makes no difference that the bikers are on the way to work at 7:00  in the morning, or run over from behind by a drunk driver.

We live in a part of Florida where Bike week is celebrated twice a year, once in March and one in October.  The number of Bikers who plan annual trips to attend Daytona is well  over 100,000.  They spend hundreds of millions of dollars locally and deserve our respect.  Many are professional doctors, lawyers, accountants, and own and operate successful businesses out of state.  It galls me to see ads by attorneys who patronize bikers and advertise proudly picture their motorcycles as a means to say "We are Bikers too.  Hire us."   They remind me of the Kodiak bears in Alaska trying to snare salmon during the annual salmon runs.

Rear-end collisions and the "Gotcha" rule

Rear end collisions have been around since cars were invented. (Funny, but I have never seen a pelican in formation fly into another one: Why not?)  I was asked recently by a client whether she had any legal rights when she rear ended the car in front of her. This raises the legal issue of what happens when a driver may only  be partly at fault (negligent). 

I learned  the lead car was going 50 mph in broad daylight, and accelerating on a three lane entrance ramp to the interstate, when it suddenly and abruptly stopped for no apparent reason.  There was no stop sign, traffic signal, road construction,  sinkhole, no other cars ahead of them merging into their lane, no road debris, no pedestrians or animals on the ramp, and the lead car  just suddenly stopped!!!  My client was not expecting that. She tried to stop but could not.  She crashed into the back of the lead car. 

  • Florida has the "Gotcha" rule which applies to rear end collisions like this one.  The rule comes up rarely. It means that the rebuttable presumption of negligence which usually applies when the rear car hits a lead car, disappears when the lead driver makes a sudden, abrupt stop at a time and place where such a stop would be totally unexpected.  The presumption is said to have been "rebutted." (The law of "presumptions" is  discussed in this blog. )
  • In such cases, the rear driver, acting as a reasonably prudent person driving a car or truck, has a good reason to not expect the lead car to make a sudden stop.  So, if the rear car driver gets sued, the jury can consider all of the circumstance, and conclude she was only partly at fault or maybe entirely at fault, but it is not a foregone conclusion that the rear driver was the only one at fault.  This makes insurance companies for the rear drivers happy.
  • The lead driver is not entitled to a court ordered directed verdict, and the judge does not tell a  jury  they MUST find the rear driver to be negligent (at fault.)
  • The rear driver, if the Jury so finds, may be entitled to recover her damages if the Jury believes she was hurt due to the negligence of the lead driver. IN most cases the lead driver will sue the rear end driver.  The rear end driver will report the case to their insurance company which will appoint a Defense attorney to handle the defense. However, the rear driver must file a mandatory counter-claim or it will be barred.  The insurance company defense attorney should advise the rear ending driver to consider whether to make such a claim so their rights to make a claim will not be waived.  Another attorney, who can handle the personal injury claim as a counter-plaintiff should be consulted by the rear end driver.
  • Gotcha stops are rare.  They may be a result of road rage situations or other strange driving behavior.  It's almost like the lead driver invites the rear end crash. Sudden stops in "stop and go" traffic are not "Gotcha" stops because they are expected, since everyone else is doing it too.  Typically they come up when the lead car at a light starts up when the light turns green, then goes a few feet and stops suddenly even though there is no reason to.  This  often results in a chain of rear end collisions. 

One would think that the combination of a sudden stop, and the ensuing chain of rear end collisions would result in a finding that the first lead driver was presumed to be negligent , but the courts have  so far refused to hold that way.

Florida also has a "comparative" negligence law, which combined with the "Gotcha" rule allows a jury to apportion fault in all negligence cases, including rear end cases like this one.  Bottom line: just because she was the rear end driver and crashed into the lead driver, doesn't mean she is 100% at fault with no right of recovery for her own damages.  A jury could reasobably conclude the lead driver was also to some degree negligent for the sudden, unexpected abrupt stop at a time and place where no one would reasonably stop.

In my experience the rear driver always says the lead driver was making a "sudden" stop or a "sudden" left turn.  Why? Because the rear drivers  have been day dreaming, distracted, either on a cell-phone or worse, texting.  When they look back to the road they are always startled.  To them it is sudden,  Duh! If they were watching carefully they would have had time to react.

And what if the rear driver, was herself rear ended? In the leading case in Florida on rear end collsions and the "Gotcha Rule" the supreme court clearly recognized that motorists should be on the look out for accidents ahead.  Just because a driver ahead has negligently failed to stop and was in an accident, does not mean their following driver has a built in excuse because of their sudden stop.

  In other words, the negligent driver who is himself rear-ended may have a valid case when he gets rear ended. It almost sounds like he is getting rewarded for bad behavior.  But that is for the jury to decide.