Everyone who rides a motorcycle is aware of the risks riders face when they hit the road. In some sense, the risks are part of the thrill that draws people to motorcycles in the first place. But motorcyclists may not be as aware of the special legal risks that come with riding motorcycles.
The limits of insurance
Probably the most significant source of potential risk for motorcyclists is inadequate insurance coverage. Like drivers of cars and other passenger vehicles, a motorcyclist in Nevada is required to carry a minimum level of insurance. The current minimums in Nevada are $25,000 of bodily injury per person, $50,000 of bodily injury per accident, and $20,000 of property damage. For someone on a minimal insurance plan, there are several important considerations:
- A minimal insurance plan covers injuries and damage caused by the motorcyclist to others, that is to say, when the motorcyclist is at fault. It doesn’t necessarily cover the motorcyclist as well.
- The minimum coverage amounts are quite low when compared to the significant risk of injury faced by motorcyclists.
- Policies may have special rules governing passengers that motorcyclists will need to consider before they accept passengers.
Taking out an insurance policy that features higher coverage limits is a good idea. So is taking out additional policies to protect against the possibility of other drivers not having adequate coverage (so-called “underinsured motorist coverage”) can protect against being left without coverage after an accident. Motorcyclists also need to understand how their coverage will change if they are at fault in an accident. Will their policy cover their injuries as well as injuries to others? Will the policy provide for legal fees in such an event? If not, how will the motorcyclist plan for this sort of risk?
Lane splitting and fault in Nevada
Motorcycles are subject to all the usual laws of the road. A particularly important rule for motorcyclists in Nevada to understand is that Nevada law
prohibits the practice of lane splitting. The technical definition of lane splitting is simply passing another vehicle within the same lane, or passing between two vehicles down the center of a lane. If a motorcycle gets into an accident while lane splitting the driver is more likely to be considered at fault.
Getting into an accident while violating a traffic rule gives rise to a claim of negligence per se
. In such cases the other side of the dispute can make the driver who committed the violation responsible for proving that his or her violation of the rule wasn’t the cause of the accident. This burden can be difficult to overcome absent compelling facts that can show how other drivers involved in the accident also committed negligent acts.
The law firm of Greenman Goldberg Raby Martinez has represented clients in accident cases for over 45 years. If you have been in an accident with a motorcyclist, or you are a motorcyclist and you’re wondering how to handle your legal case, call us today for a free, confidential attorney consultation. We’re available at 702-388-4476 or contact us through our website
The goal of a personal injury lawsuit is to provide the plaintiff with the means to cover expenses associated with the injury as well as compensation for the negative consequences of the injury in the person’s daily life. Plaintiffs often assume that at the end of a successful lawsuit they’ll be handed a check. Although in most successful cases a defendant does make a payment as part of resolving the dispute, the mechanics behind the payment process are usually more complicated.
Personal injury lawsuits can resolve in the plaintiff’s favor in two ways: either as a negotiated settlement, or by a final judgment of a trial court. Most cases end in settlements, for a variety of reasons
. Settlements provide both sides the opportunity to control how the plaintiff will be compensated. If the case goes to trial, the judge and jury take control of many aspects of the process.
Who, exactly, gets paid after a personal injury lawsuit?
Although the injured plaintiff is right to feel entitled to receiving money from the defendant who is responsible for his or her injury, the plaintiff is often not the only party who expects to be paid out of a settlement or judgment award. It’s common for plaintiffs to be one of several parties that have claims to the defendant’s payment:
- The plaintiff’s insurer (or insurers) may have the right of subrogation, which means that it is entitled to be reimbursed for its expenses related to the injury out of the settlement or judgment. If the plaintiff has been covered by Medicare, it will need to be reimbursed before anyone else can receive money from the award.
- Providers of medical care who have not otherwise been paid for their services may have issued liens that must be satisfied.
- If the plaintiff’s law firm has handled the case on contingency, it will take the portion of the judgment award to which it is entitled to cover its expenses and pay its staff for the time they have put in on the case. The amount the firm is owed will have been set out in the firm’s engagement letter with the client, and should have been explained orally as well.
Alternative forms of payment
In settlement negotiations the plaintiff and defendant may choose between a number of approaches for facilitating the payment of the settlement amount to the plaintiff and others who are entitled to a share. In cases involving large sums, a structured settlement can be a superior approach both for the defendant who is faced with a significant financial burden and the plaintiff who can receive a variety of benefits. In a structured settlement the defendant purchases an annuity, with the plaintiff as beneficiary. The annuity pays the plaintiff at regular intervals over a specified period of time. The plaintiff often gets tax benefits from this approach, and the defendant’s overall costs may be lower.
Even if the defendant will pay a lump sum, the sum typically gets placed into a special account that is used to pay off other expenses before finally being distributed to the plaintiff. Management of this account is often handled by the plaintiff’s attorneys and can be subject to court oversight. The goal is always to get a payment to the plaintiff as soon as possible. Experienced personal injury attorneys work hard throughout the process to minimize delays at this phase of the case.
For over 45 years the law firm of Greenman Goldberg Raby Martinez has represented Las Vegas clients in personal injury cases. Our attorneys are available to provide free consultations. We can be reached at 702-388-4476 or send us a request through our site