Bike photos by Steve Magas, a race in Walnut Hills, a bike rack at Ride Cincinnati, A ghost bike dedication ceremony and a beautiful bike bell

Protecting The Rights Of Those Who Ride

Steve Magas is Ohio's Bike Lawyer. He has written about Ohio Bike Laws, bike crashes, bicycle advocacy and court cases for some 30 years. Soon we'll be adding a series of features about your favorite Ohio bike shops.

Helmet Law? It’s a CAR problem not a BIKE problem…

Many cyclists oppose helmet laws.  I am certainly one.  Without going into the whole debate here, I just don’t like the “gummint” telling me what type of HAT to wear when I chose to become a legitimate user of the public roadways.  No one tells a motorist that she/he has to wear a Kevlar suit or a helmet and there are 30,000+ motorists and passengers killed each year and far less than 1000 cyclists.

Here’s a cartoon from Yehuda Moon which gives one  perspective…

HELMET Debate -

I love that line – It’s a CAR problem… why make cyclists fix it with a Styrofoam hat???

Steve Magas

The Bike Lawyer


16 girls on ONE bike? Why Chinese Acrobats, of course! WOW

Nothing like something unusual to make your day!

Click here to see the amazing video of 16 Chinese acrobats performing a bicycle routine that’ll blow you away!  I have a hard enough time riding in circles on my own bike, let alone with 15 of my closest friends hanging on!

Steve Magas


GHOST BIKES – A Sad Reminder

Ghost bikes are sad memorials for cyclists killed on the roadways.  They are bicycles painted completely white and mounted at the scene of a fatality.  They serve as a somber reminder that a tragedy occurred and a statement that WE are HERE and we are not going away!

http://www.ghostbikes.org/ is the website which details and chronicles ghost bikes.  They started in 2003 in St.Louis but now, just a few years later, they have appeared in 90 countries around the world and in virtually all 50 states.  We have certainly had our share in Ohio, and in Cincinnati, sadly.

The photo below was taken at the Ghost Bike ceremony for Terry Walker and Amy Gehring, two well-known Cincinnati cyclists killed by a drunk, high motorist driving on a suspended license.  That motorist, Anthony Gerike, is now serving a 16 year sentence for aggravated vehicular homicide.

IMG_8055_1_1

In Pike County, justice was not so easily served.  In 2008, a cyclist was killed for the first time on TOSRV – The Tour of the Scioto River Valley.   TOSRV is the mother of all the “acronym” rides and has been on cyclists’ Mother’s Day weekend To Do list since 1962.  The cyclist, William Crowley, was a physician, a regular rider of TOSRV and an experienced cyclist.  He was also a big, tall guy who was hard to miss as he rode his pink Schwinn Paramount.

Sarah Bender “missed” him though.  She was driving her SUV northbound on State Route 23 and she “missed him.”  You see, Dr. Crowley was pedaling northbound, along the right side of the roadway.  Sarah Bender clobbered him from behind.  The impact of the car into the bike and rider was incredibly violent.  Dr. Crowley’s body slid up onto the SUV and smashed into the windshield.  Sarah Bender… well, she just kept on going – all the way to her house, where she put that smashed up car in her garage.  A little later she got into another car and drove back to the scene.  Others had already found Dr. Crowley, dead in the grass.

Sarah Bender told Ohio State Patrol troopers that she thought she “hit a sign.”  She gave State Troopers that age-old excuse of “I didn’t see him.”  She was charged with a felony.  However, the jury made a special finding that her leaving the scene “did not cause” the death of Dr. Crowley so the charge was reduced to a 1st degree misdemeanor.

I had a chance to speak with Dr. Crowley’s widow who came to Ohio from Michigan for the trial.  She said the entire atmosphere of the case had a very “My Cousin Vinny” feel to it, except that SHE was the outsider and the defendant, Sarah Bender, was in the “In” crowd.  Friends of the defendant were holding vigils in the parking lot and TOSRV, it seems is not liked by those in the area.  The thousands of cyclists who pedal through each year clog up the roads, slow down other “traffic” and otherwise behave like cyclists. She was very disappointed with the jury’s verdict, to say the least…


BICYCLE ACCIDENT RECONSTRUCTION

BICYCLE ACCIDENT RECONSTRUCTION

Under Ohio law, a person has exactly the same right to operate a bicycle on the roadway as she/he does to operate a car, truck, bus, motorcycle, buggy, or other “vehicle.”  Bicycles are unique, though, in that they are small, light, quick and maneuverable.  When we try to look at the data from a crash and figure out what happened when a bicycle is involved in the crash, sometimes special skills are needed. One might have to call a San Antonio car accident lawyer in personal injury cases.

I have used special “bicycle accident reconstruction” experts and  Riverside personal injury attorneys in certain cases.  Such a person has a background in engineering and accident reconstruction, but also has logged many miles on a bicycle and understands the risks, dangers and joys of riding a bike on the road. Go to Atlanta motorcycle accident lawyers to get some advice on what has to be done.

As a contributing author to that epic tome, “Bicycle Accident Reconstruction and Litigation” I got to know the main author, James Green, pretty well.  Jim is a former Ironman participant and engineering expert with a passion for putting bike cases together.  In addition to Accident Reports North Dakota getting up to swim umpteen miles at 5am, Jim is a martial arts expert who applies his 40 years of martial arts training to the discipline of accident reconstruction. You can read about Jim’s practice at www.bikereconstruction.com.

Just going to the crash scene with a guy like Jim is an experience as he immediately “sees” things you don’t see… the slopes, the gravel, the little nuances of a scene that help us trial lawyers understand what REALLY happened in the crash.  Once he puts it together he can  also “do the math” – the REAL math, the kind of math the old math majors like me LOVE to see… using the angles and the forces to map out what really happened… How DID the wheel get bent like that?  Why did the frame break apart?

Wheel Smaller

Using accident reconstruction experts in the proper case is just one of the ways we maximize the value of YOUR claim.  Contact Steven Magas Attorney At Law by email on our CONTACT page, or by phone at 513-484-BIKE.

Now, get out there and RIDE!!

Steve Magas


The “BLS” [Boring Legal Stuff] for the Touring Cyclist

In 2008 I was asked to contribute an article for the Cyclists Yellow Pages, published by Adventure Cycling.  I wrote “The BLS” [Boring Legal Stuff] for the Touring Cyclist.  It covers a bunch of NON-cycling legal issues that every rider needs to think about!  I’ve republished the article below!

Enjoy!
Steve Magas

—————– ——————– ——————– —————–

BIKE LAW 101

THE B.L.S [1] FOR THE TOURING CYCLIST

By Steven M. Magas, The Bike Lawyer[2]

Can’t you just picture it – maps laid out, clothes folded ready to be loaded into waiting panniers, bike all tuned up, the smell of Teflon floating about the room.  The last thing on the touring cyclist’s mind as he/she goes through the Pre-Trip Checklist is the BLS.   Unfortunately, failure to consider the BLS of Insurance and Estate Planning can end up costing the touring cyclist time, money and the safety and peace of mind of his family!

PART I – INSURANCE ISSUES for the TOURING CYCLIST

Insurance?  You don’t need to worry about no stinkin’ insurance, right?  You’re driving a BIKE for two weeks, not a car … what can POSSIBLY happen?   [For this part of the article, let’s assume you are staying inside the United States – things REALLY get crazy in the insurance world when you cross sovereign borders!]

Health Insurance

First, and foremost, before you leave the house make sure you are carrying all of your health insurance information.  Keep it close at hand – better yet, pack your insurance card, or a copy, in a small [2”x3”] baggie with a copy of your ID, emergency contact information and list of medical allergies.  Store this on your person – or in your helmet!

If you are hurt on the road, unable to communicate and need emergency care or serious medical intervention you do NOT want healthcare professionals wondering who you are, who to contact and whether or not you’ve got health insurance!

WARNING: While I have not yet seen this in my “bicycle law” practice, I have learned from my “motorcycle law” practice that some health insurers are limiting the benefits they provide if an insured is injured while riding a motorcycle or engaging in certain other “hazardous sports.”  As you might expect, motorcycle groups are up in arms and preparing to do battle.  However, under insurance policies in force right now, a motorcyclist can hit by a DRUNK driver and have NO health insurance coverage!  If insurers find this effective, you can BET they will apply the concept to cycling very soon!  A bill is currently pending in Congress to stop this practice.

Homeowner’s Insurance – Say WHAT?

If you are negligent and ride into a car, a person or anther cyclist your HOMEOWNER’s insurance can provide liability coverage to pay the claim!  If you are going on an extended trip, take your agent’s phone number and your policy number.  If someone claims YOU did something wrong, causing them loss, damage or injury, you will need to file a claim right away!

Auto Insurance – Medical Payments Coverage

Why would you need to take information about your automobile insurance policy on a 3 week bike ride?  If you are injured in a crash with a motor vehicle you may find some financial assistance buried within your automobile insurance policy!

Your auto insurance may provide “medical payments” coverage.  This coverage pays YOUR medical bills if you are in a crash with a car.

WARNING:  Recently, I came across the first automobile insurance policy I have seen which specifically LIMITS “medical payments” coverage and EXCLUDES paying medical bills if you are hit by a car while riding your bike!   You may want to ask your agent if you are covered in such a scenario.  If the agent says “Yes” then IMMEDIATELY fax or email a letter to the agent [and keep a copy] restating your question and the answer and thanking him for his advice.  Even if the agent is wrong, your letter/email may serve to extend coverage as an agent’s statements about the extent of coverage may bind the insurer.

Auto Insurance – Uninsured/Underinsured Motorist Coverage

The “uninsured” [UM] part of this is obvious.  If you are struck by motorist who simply has no insurance, your UM coverage should pay your injury claim just as if it was the motorist’s coverage even though you are on your bike.

The “underinsured” [UIM] may not be so obvious.  If the motorist who hit you has “some” coverage, but not enough to pay the full value of your claim, your policy’s “UIM” coverage may be used to pay more towards your claim depending on your policy limits.

I advise my cycling clients to buy as much “UM/UIM” coverage as they can afford.  It protects YOU in the event you are injured by an errant motorist.

Are you carrying an Umbrella?

Do you carry any type of excess or umbrella insurance?  These types of policies are designed to fit over the top of all other policies and only come into play when all other available insurance is used up and you still have losses.  An umbrella policy is usually written with large policy limits – $500,000.00 or more.  I advise ALL bike riding clients to consider an umbrella policy.  These are typically very inexpensive policies and, in that once-in-a-lifetime situation, can save your financial life!

Real Life Insurance Example

My client, a physician who rides all the time, suffered a dangerous neck fracture in a crash caused by a motorist.  The motorist carried Ohio’s state minimum auto coverage – $12,500.00.  The client’s medical bills were in excess of $80,000.00and his wage loss was over $40,000.00.

Fortunately, the cyclist had $300,000.00 “underinsured motorist” coverage and $10,000.00 in “medical payments” coverage.  We used the medical payments coverage to cover the “co-pays” for his surgery and other treatment.  He also maintained an excellent disability insurance policy that kept him afloat financially while he was off work.  Finally, he had an umbrella policy with $1.0 million limits.  Since the value of his claim exceeded the $300,000.00 “UM/UIM” limits, his “umbrella” was available to pay the balance.  From an insurance perspective, he was well-prepared for the “once-in-a-lifetime event” that came out of the blue!

PART II – ESTATE PLANNING FOR THE TOURING CYCLIST

Why does the bicyclist need to worry about “Estate Planning?”  What the heck IS “Estate Planning” anyway?  Sounds rather vague and morbid – something for rich people!

“Estate Planning” for most of us [us NON-millionaires, that is] generally consists of having a will prepared, as well as possibly a trust. Even more important for the bicyclist, “advanced directives” should also be prepared.

Most people want their estate plan to provide financially for their surviving spouse, protect their assets, insure that their children are physically and financially cared for, minimize cost & taxes, and “avoid probate.” Other goals may include providing for children of a prior marriage, making sure that business interests are taken care of, providing liquidity to pay bills and taxes and avoiding family conflict and strife!  “Advanced directives” are prepared in case you become unconscious or unable to make your own decisions.

Here’s a little “12-Step” program for getting the BLS of Estate Planning done in YOUR life!

1.Have a will prepared.

2.Consider whether a trust is necessary.

3.Have health care directives prepared.

4.Execute a financial power of attorney.

5.Protect your children’s property.

6.File beneficiary forms.

7.Consider life insurance.

8.Understand estate taxes.

9.Cover funeral expenses.

10.  Make final arrangements.

11.  Protect your business.

12.  Store your documents.

YOUR WILL & TRUST

I think many adults fear “making a will” more than death or dealing with a life insurance agent!  The thought of talking about “end of life” issues scares many people and prevents them from getting their will done.  However, the legal effect of NOT dealing with these issues should scare you even more!

Everybody Needs a Will

In a will, you state who you want to inherit your property. You also name a guardian to care for your young children should something happen to you and the other parent.  If you have minor children you should have a will – no question about it – you are committing “Parental Malpractice” if you don’t!

Each state has a law that tells you who gets your stuff if you die without a will.   Typically, the Probate Court Judge determines who will take care of your children until they are 18 years old!  Without a will, most state laws give your young children possession of your entire estate, including all life insurance proceeds and such, at age18.  Failure to have a will or trust prepared can cause your estate to incur taxes of expenses which could be avoided. If you fail to follow these rules exactly, your wishes may be ignored by the Court.

Trusts:  Not Just For Millionaires

A Trust is also a legal document.  In one simple form, a trust can hold your assets until your children reach an age at which you feel they can handle the assets with appropriate care.  Giving the proceeds of a half-million dollar life insurance policy to a newly turned 18 year old is a scary thought!

Trusts can be very simple or very complex and can be extremely diverse in what they do.   Discuss whether a trust is right for your situation with your estate planning professional!

POWERS OF ATTORNEY

What are POA’s?

A Power of Attorney [“POA”] is a legal document that gives someone ELSE the power to make decisions for you when you cannot.  POA’s are of CRITICAL importance to the bicyclist

Financial POA

A financial POA, gives the person of your choice the power to access your bank accounts, pay your bills or do anything else financially that YOU could do.

The financial POA must be signed when you are competent.  If a crash renders you unable to make financial decisions, it is too late to create a POA – your assets may be frozen, unavailable to your spouse or family, and your bills might go unpaid or your credit could be damaged.

The Schiavo Case & “Advanced Directives” in Estate Planning

The Terry Schiavo case was a real medical and legal wake-up call for many Americans.  Terry Schiavo was a young woman in a coma.  She was not “terminal” but had never prepared written instructions advising health care providers how she wanted to be treated.  The public battle between her husband and her parents caused many states to pass laws permitting or formalizing such “advanced directives.”

A “Power of Attorney for Health Care” is a legal document that authorizes another person of your choosing to make health care decisions for you if you are unable to make informed decisions on your own.  A “Living Will” is a document that contains your written wishes and instructions for care at the end of life.  You can state your preferences regarding aggressive life-prolonging treatment.

Your should definitely have these “advanced directives” in your estate planning package!

SUMMARY

Every touring cyclist needs to consider the BLS right away!  Pack your insurance and emergency contact information in your panniers, as well as copies of your will & advanced directives, for any extended cycling trip.  I guarantee that you will sleep better in that hot, sticky tent you set up in rain!

Good Luck & Good Riding!


[1] Boring Legal Sh…er…. Stuff

[2] Steve. Magas is an avid Ohio cyclist and trial lawyer whose practice focuses on protecting the rights of riders.  Steve has handled more than  “bike cases” ranging from traffic tickets and crashes involving minor injuries to complex products liability cases and crashes leading to brain injury or death.  Steve writes regularly on legal issues relating to cycling and has lobbied for cycling issues at the local, state and national level.  Steve’s unique “Bike Law” practice has been featured nationally in Lawyer’s Weekly USA, and locally Cincy Business magazine, Cincinnati magazine and the Cincinnati Post. 


Enjoying a Week Off!

Sunset Panama City Beach

We are down in beautiful Panama City Beach enjoying some sun and family fun!

HAVE FUN!! Get Riding!


WHAT TO DO IF YOU ARE IN AN ACCIDENT

WHAT TO DO IF YOU ARE IN A BIKE/CAR CRASH

Here are a few tips that can help BEFORE you’ve been in accident.

  • Carry a cell phone. The cell phone can easily be a life saver. All cell phones will make 911 calls even if it doesn’t have active service.   You can also use today’s cell phones to document the scene by taking a LOT of pictures of the scene, the dog or car/bus/truck that got you, your injuries, the address, the dog’s owner, witnesses, etc.
  • Carry Identification & Insurance Information. It’s a good idea to copy your drivers license and then write or type your emergency contact information, health, auto and homeowner’s insurance information, blood type and any medical conditions or allergies that you have on the back. Laminate the copy and keep it on your person when you ride. Also, remember to keep it up to date if there are any changes.   Carrying your health insurance information may seem obvious, but why do you need your auto and homeowner’s info?  Well, your AUTO policy may pay some of your medical bills or even your entire claim if the motorist that hit you is underinsured or you have a lot of out of pocket medical expenses.  Your HOMEOWNER’s policy will protect you if someone says that YOU did something wrong, or negligent, and damaged their person or property!
  • Carry a pen and paper. You may need to exchange information with other people at the accident. Get names and numbers of as many witnesses as possible in case they leave the area before the police arrive and hope that it is not a dui penalty.

IF YOU ARE IN A BIKE CRASH…

  • Don’t Move. Many of my clients want to jump up and check on their bikes right away.  Don’t do it.  Just lie there and do a self-assessment.  Have you lost consciousness?  Can you feel/move your arms and legs?  Are you bleeding?  Do you have pain?  Sharp pain? Shooting pain? Be able to describe how you are feeling to paramedics and EMT’s who will arrive.
  • Call the POLICE at 911. The Pasadena personal injury attorneys suggest you to always wait for the police to respond to the accident scene so that an official report will be filed. Do not let anyone talk you out of calling the police.  Many times cyclists do not realize that they have been injured until several hours after the accident. By then, it may be too late to identify the at-fault driver or properly document the crash. Many drivers who cause accidents will initially apologize and accept blame for the accident at the scene, but later, after they have time to consider the ramifications, will deny that they were negligent. This is particularly true in bicycle crashes.  The police accident report will include the driver’s statements as well as all other witness statements. Along with the police, you may also want to keep the numbers of attorneys In Austin car accident lawyers on your speed-dial. Lawyers always help in claiming for insurance and help with other legal procedures, if any.
  • Seek medical attention. Riders tend to be very self sufficient and tough.  Many will try to turn down offers of medical attention.  DON’T DO IT.  Accept help this time.  Let the EMT’s treat you.  This is proof that you were, in fact, injured and the medical records generated by the medical provider will help establish the extent of your injuries.
  • Take Photos.  Take several photos from different angles and lighting of your injuries as soon as possible after the accident – it might be helpful for evidence if the case is fought by lawyers from Spring Hill personal injury law firm.  You can’t have too many photos.  Photograph the scene, the bike, the other vehicle or dog, your wounds.  The grosser and yuckier the better!
  • Keep a Journal. Keep a journal (injury diary) of your physical symptoms starting immediately after the accident and make entries every day.
  • Don’t fix your bike right away. Riders tend to be tinkerers and self-reliant.  They want to get back to RIDING and get their bike fixed quickly.  You need to keep your bike and clothing in the condition that it was in after the accident.  Get the property damage assessed by an expert.  Get a report of the damage AND of the “value” of the bike.  The domestic violence defense attorney in Los Angeles points out that under the Ohio Law, your property damage recovery cannot be greater than the value of the bike.  Thus, if an insurer says your used bike was only worth $100.00, they will try to cap your property damage claim at $100.00!  Have a competent professional shop make an independent assessment of your bicycle and gear.
  • Stay Organized. Keep every single piece of paper relating to the crash, your injuries and your recovery organized.  You will need them either in handling the claim or when you meet with an attorney.
  • Call an Experienced Trial Lawyer. As an Ohio trial lawyer with 27+ years of experience handling serious injury and death claims, I know how complicated these things can be.  A crash can turn your life upside down as you try to get your bike fixed, get your medical bills paid and keep the collectors at bay.  You need to have the contacts of several lawyers like lawyers in Nova Scotia for personal injury claims, so that when you find yourself in any legal situation, you can handle the complications right away. Once hired, I take care of EVERYTHING related to your claim.  I handle all communications with the obnoxious insurance company, fully investigate the crash and obtain all documents needed to maximize your recovery. May I also suggest you find Bengal Law contact information as I have worked with them closely and know that they handle such cases with great ease. I know what types of arguments insurers usually make in bike crashes and I know how to deal with them.

    Send me a note or call me TODAY at 513-484-BIKE [2453] for a FREE CONSULTATION about your crash

I hope you never need to implement any of these tips, but it always helps to be prepared. Good Luck and Good Riding!


DOGS – With Friends Like These….

BIKE LAW 101
DOGS:  WITH FRIENDS LIKE THESE…
By Steven Magas, The Bike Lawyer

Dogs are said to be man’s best friend,
I’ll grant you all that much…
It’s just hard for me to call him “Pal”
While he has my calf for lunch!

I love dogs… I’ve got two mutts which together constitute roughly 150 pounds of sniffing, drooling, chewing, running, barking energy.  However, dogs continue to be a huge problem for Ohio riders, particularly in our rapidly changing “rural” counties.

What are Ohio’s “dog laws?”  Is there a state-wide “leash law?”  What is the so-called “One Bite Rule?”Who do you complain to about dog problems?   How far can you go to protect yourself if you are attacked by a dog while riding your bike?   What can your local club do help to protect ALL riders?  What are your rights if you get hurt?

OHIO‘S DOG LAWS

Ohio Chapter 955 of the Ohio Revised Code is aptly titled, “DOGS.”  Most of the statewide statutes governing dogs in Ohio are covered here, or in the case law that has developed when courts try to interpret those laws.

EVERY dog in the State of Ohio that is “more than three months of age” must be registered in the county in which the dog is kept, owned or harbored.  Tags are to be issued and must be worn.  Failure to buy the tag or have the dog wear it renders the dog subject to “impoundment, sale or destruction” and can lead to a fine of up to $75 in some counties.

There is no statewide “leash law” in Ohio, per se. However, Ohio law does state as follows with regard to the owner’s obligation to control the dog:

(C) Except when a dog is lawfully engaged in hunting and accompanied by the owner, keeper, harborer, or handler of the dog, no owner, keeper, or harborer of any dog shall fail at any time to do either of the following:

(1) Keep the dog physically confined or restrained upon the premises of the owner, keeper, or harborer by a leash, tether, adequate fence, supervision, or secure enclosure to prevent escape;

(2) Keep the dog under the reasonable control of some person.

That word, “supervision” is tough.  If the dog is running amuck and someone is watching the dog run amuck, is the “supervision” test met?  I think not.  Clearly, the aim of the statute is to confine and restrain the dog from causing injury or damage.  All of the other items on the list provide a definite limitation of movement – leash, tether, fence, enclosure – and the purpose of the list is to “prevent escape.”

There are two very special types of dogs defined in the code which are of GREAT interest riders – “dangerous dogs” and “vicious dogs.”

A “dangerous dog” is one that has

“. . . chased or approached in either a menacing fashion or an apparent attitude of attack, or has attempted to bite or otherwise endanger any person, while that dog is off the premises of its owner, keeper, or harborer and not under the reasonable control of its owner, keeper, harborer, or some other responsible person, or not physically restrained or confined in a locked pen which has a top, locked fenced yard, or other locked enclosure which has a top. . .”

A “vicious” dog is a dog that:

4)(a) ***  without provocation and subject to division (A)(4)(b) of this section, meets any of the following:

(i) Has killed or caused serious injury to any person;

(ii) Has caused injury, other than killing or serious injury, to any person, or has killed another dog.

(iii) Belongs to a breed that is commonly known as a pit bull dog. The ownership, keeping, or harboring of such a breed of dog shall be prima-facie evidence of the ownership, keeping, or harboring of a vicious dog.

Compare the language used to define “dangerous” and “vicious” dogs.  Dogs can be labeled “dangerous” if they simply look mean or attempt to bite or “otherwise endanger” any person.  I would certainly argue that dogs which come after bicycles are “endangering” the rider and are “dangerous” dogs.  “Vicious” dogs on the other hand are dogs that have hurt someone.

These statutory provision provide an opening for you and your local club to help protect ALL RIDERS in the event of a dog attack.  Once a dog is considered “dangerous” or “vicious” the owner is mandated to secure suitable insurance to protect the public from the dog.

What should you do if you have an encounter with a dog while riding your bike on the roadway?

First, of course, get yourself safe.  Call 911 and get medical care to the scene.  Do NOT let anyone talk you out of that.  In my experience handling these cases, more people are injured from a fall caused by a dog than an actual bite.  Get yourself taken care of right away. Injuries can be unseen and significant!

Second, notify the owner of the attack immediately.  Get the name, address, telephone, email and any other available contact information.  Write it down.  Send it to yourself in a text message, voicemail or email. Take a cell phone picture of the dog owner’s house.  The address marker.  The yard.  The area where the crash/attack occurred.  Try to talk to the owner.  GET THE DOG OWNER’S INSURANCE INFORMATION.  Dog attacks are typically covered by a homeowner’s policy.

Third, take a picture of the dog with your phone, preferably while the dog is still in the road or in the yard of the owner.  Do what you can to get a photo.  If you can’t get a picture, make notes about the dog.  Breed. Color. Size. Anything special. Again, write it down.  Text it to yourself.  Do it immediately, not a week or two later.  A frequent defense to dog cases is “MY DOG DIDN’T DO IT.”  You may have to PROVE it some day and as soon as you leave the scene, any chance of getting that immediate evidence is gone.

Next, get the dog warden involved RIGHT AWAY when you find a dangerous or vicious dog.  If an incident occurs on a ride, report it right away.  [Your cell phone is really an important tool on your ride, eh?]  Get it out and call the dog warden.  [What? You don’t have his/her number?  Take a minute RIGHT NOW to look it up and put it in your cell phone.  The Dog Warden is a typically a COUNTY official.  Find out if there have been any prior complaints about the dog.

Follow up your phone call with a letter to the Dog Warden outlining what happened. ASK THE WARDEN TO DECLARE THE DOG DANGEROUS OR VICIOUS, if your situation meets the definitions.  Put pressure on the dog warden to act.  Continue to follow up with the Dog Warden.  While most take their jobs very seriously, I have found situations [particularly in rural counties where they are used to dogs having a free reign] in which the Dog Warden has been slow to act.  There are statutes which define his/her duties which can be used to agitate him/her into action if necessary.

Follow up with a letter to the dog’s owner.  If you didn’t get the owner’s name at the scene, learn how to determine from county records who owns the property where the dog came from.  Send a letter, certified, to the owner advising the owner that the dog is dangerous or vicious [depending on your facts].  If you were injured, advise the owner that you’ve been injured and that you plan on filing a claim with his/her homeowner’s insurance.  Tell the owner to contact his/her insurance agent and to have a claims representative call you and be ready to discuss how the incident occurred and the nature and extent of your injuries.

Your CLUB can get involved too.  How?

By posting Ride Reports of dog attacks.  These serve two very important purposes.  First, they warn riders of potentially dangerous dogs.  Second, they provide some measure of PROOF of a dog’s vicious or aggressive tendencies and make it difficult for an owner to contend that Fido has never EVER chased a cyclist before.   If the Club then follows through and sends its OWN letter to the owner, which is kept on file or posted on the webpage, then even more proof of the dog’s aggression is set forth.  The Club’s letter should put the owner on notice that it has received a report from one of its riders that the owner’s dog left the property and was aggressive towards the riders, or caused a crash, or whatever… the mailing of such a letter, via certified mail, again puts the owner on notice and may cause him to chain up the dog before he gets sued!

What if you are INJURED by the dog?  What are your rights?

Ohio has one of the very best “dog laws” in the country.  Section 955.28 of the Revised Code imposes liability on the dog’s “owner, keeper or harborer” for “damages for any injury, death, or loss to person or property that is caused by the dog…”  The only exceptions to liability are if the person who suffers injury was committing a criminal offense on the owner’s property, was committing or attempting to commit an offense against any person or was “teasing, tormenting or abusing” the dog on the owner’s property.  The bottom line – if a dog comes OFF the owner’s property and causes a bike crash – the cyclist WINS.

In most “tort” cases you have to prove that the other guy was “negligent” or guilty of some level of culpability in order to win.  Not so for dog owners.  One Ohio Supreme Court case described a dog owner’s culpability as “absolute liability.”  This means that it doesn’t matter if the dog’s owner took every possible precaution, used the best fence and the strongest leash or chain. If the dog leaves the property and causes damage to passing cyclist, the dog’s owner is liable.

Note that there is NO requirement in the law that dog actually BITE the person.  The law permits recovery for ANY and ALL damages. If a playful dog comes out of its yard and chases a  cyclist, who then crashes, the owner is liable – even if the dog was never aggressive and even if the dog comes up and licks the cyclists hand, dials 911 with its nose and barks for help!!  In some states, there is a “one bite rule” which means the owner is not liable until the dog actually bites someone or acts aggressively.  Not so in Ohio, although evidence of aggression can open the door to more damages known as “punitive damages.”

How do you HANDLE a claim like this?  Do you need a lawyer?

Short answer, YES.  Of course, I’m a “bike lawyer” who has handled 200+ “bike cases” and some 50 or more “dog cases” so one might think I would automatically say YES.  However, “dog cases” can be tricky.  Adjustors might try to tell you that certain defenses apply to limit or deny your claim, when such is not the case.  You may not be in the best position to evaluate the value of your claim.  Indeed, in many cases, I end up getting involved because the dog’s owner simply refuses to answer the door or phone or otherwise respond to the injured victim’s request for help.

What does a lawyer do in such a claim?

First, we investigate the crash.  I gather ALL information, talk to all witnesses, get the police report, dog warden records, photographs and such to clearly and undeniably establish the owner is liable.  I contact the owner and get the homeowner’s insurer involved.  I track your recovery, gather ALL of your medical records, medical bills, wage loss documentation and out of pocket expenses.  I handle all communications with the owner, insurer, dog warden, county, and courts, if needed.  Usually, dog cases settle without a lawsuit because the law is so strong.

Probably the most important thing I do is organize all of this data, review it top to bottom and give you my very best professional opinion of what your case is “worth”, based on handling hundreds and hundreds of injury and death cases, 200+ “bike cases” and 50+ “dog cases.”   I present the legal, medical, forensic and engineering data about your case to the insurer in a package designed to maximize your recovery.  I handle all negotiations and, usually, get the case settled without the need for any litigation.

So, there you go… a short course in Dog Law 101!

GOOD LUCK AND GOOD RIDING!
Steve Magas, The Bike Lawyer


[1] Steve Magas, The Bike Lawyer, is an avid cyclist and Ohio trial lawyer who has “…protected the rights of those who ride…” for more than 27 years.  Steve recently opened his own firm, and has created a unique niche in the world of “Bike Law.”  Steve has handled more than 200 “bike cases” including crashes caused by errant motorists, dogs,  and defective products.  Steve is a strong advocate for cycling, and represented Steve Selz pro bono in Trotwood v. Selz, securing an important victory for all Ohio cyclists.  Steve offers a FREE CONSULTATION to discuss your cycling or other legal issues and can be reached at 513-484-BIKE [2453] or at BikeLawyer@aol.com. His Bike Law practice is featured at www.MagasLaw.com and www.OhioBikeLawyer.com.


BIKE LAW 101 – Motorcycle Accident Reconstruction – say WHAT??

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BIKE LAW 101

“MOTORCYCLE ACCIDENT RECONSTRUCTION” – Say WHAT?

By, Steven M. Magas[1]

I recently received my copy of that epic tome, “Motorcycle Accident Reconstruction & Litigation,” by Ken Obenski, a well known forensic expert, and lawyer Paul Hill.  As a contributing author to the sister volume, “Bicycle Accident Reconstruction & Litigation” I was curious to see what they had done with the subject relative to motorcycles.  This 1130-page volume discusses the engineering and legal process of reconstructing motorcycle crashes in the sort of wonderful technical detail that only us trial lawyers [and former math majors] could love!  Along the way, Obenski, an experienced rider himself, offers some wonderful insight into common rider errors which lead to self-induced crashes and better tactics for dealing with commonly encountered hazards.

STEERING

Steering is the thing that sets motorcycles apart from all other vehicles.  As EVERY reader of this magazine knows, they clearly do not steer like cars, but they also do not steer like bicycles, mopeds, trikes, forklifts or even airplanes!  Many of us understand, instinctively or by virtue of taking the MSF class, how to lean and guide our bike through the twisties, but could not begin to analyze the physics of it.  Unfortunately, too often reconstructionists and lawyers, including some construction accident attorney in nyc, find that motorcycle crashes are caused by the operator errors while steering in a crisis.

As I’ve stated in earlier columns, a shocking number of deaths and injuries from motorcycle crashes come in single vehicle accidents.  This results in including injury law attorneys so that the legal complications can be handled. In Ohio last year, 158 motorcyclist operators, and 19 passengers, were killed.  More than half of those crashes were single vehicle crashes.  The motorcycle operator was listed in the police report as being “In Error” in 53% of the crashes[2], leading to 115 deaths and 1,849 injuries.[3] Many [possibly as many as 40%, according to Obenski] of these deaths and injuries relate simply to improper steering.

I like the idea presented in one popular motorcycling magazine that while most riders steer a motorcycle fine in good times, the critical issue is how the “nut that connects the handlebar to the seat” will perform in a crisis![4] This glaring weakness is frequently exposed only after a crash occurs!

Unfortunately, many panicked riders turn INTO, and not AWAY from, a suddenly appearing obstacle.  By turning the handlebars away from the obstacle to try to avoid it, the rider unknowingly counter-steers the bike TOWARDS it.  The concept of counter-steering is covered in some depth in the MSF classes.  Many of us don’t practice it or think about it after “graduation” until a sudden emergency arises!

Turning the bars left and leaning left to get away from a hazard to the right amounts to asserting two “contradictory inputs.”  The bike must obey the laws of physics [which can never be skirted], and will always follow the prevailing input, regardless of the rider’s intent!  The accident reconstructionist will often be told that the bike just “locked up” in such a crash.  Yet, the bike checks out as normal.  When the operator turned the bars “away” from the hazard and tried to lean that way also, “…the gyroscopic effect of the front wheel offers such high resistance to this effort that it will feel as if the steering is ‘locked’” and a crash will ensue.

Imagine now an inexperienced rider, on a big, fast bike, heading into a corner too fast.  Realizing he can’t make the curve, he tries to brake and “steer” harder “into” the curve, but ends up counter-steering his way into a violent crash.

Lesson 1 – Know How To Steer & Panic Steer!

“LAYING IT DOWN”

How many times have you heard it?  “I knew I was going to crash, so I just laid it down?”  Well, accident expert Obenski says “Laying a bike down makes absolutely no sense in 99.99% of all emergency situations.”  Why?  The main reason is that once you lay it down you’ve played all your cards – you have absolutely no other options except to accept your fate.  Obenski describes it like this:  “The bike becomes a ballistic object that will slide in a straight line with a drag factor of about 0.5 and, with rare exceptions, cannot recover its normal riding position until it stops.”  If you keep the bike UP, you have options, maneuverability and alternative strategies which almost always make more sense.  Even standing on the pegs and trying to JUMP OVER a crash may be preferred over sliding into it!

PERCEPTION/REACTION

Accident reconstructionists and forensic engineers frequently measure and discuss “perception/reaction” times.  This relates to idea that there is a time lag between the brain’s perception that life has gone from “good” to “not good” and a human being’s reaction to that realization.  1.5 seconds is a common “perception/reaction time” used by experts in analyzing daylight accidents.  Thus, it takes a motorcyclist about a second and a half to “perceive” the danger of a guy turning a pick-up truck into her lane, and to “react” by taking some evasive maneuver.  This time becomes critical when analyzing whether the rider could have avoided the crash.

At 60 mph, the motorcyclist travels 132 feet, almost half a football field, in that second and a half![5] If the vehicle is only 90 feet away when it turns left in front of your bike, it was probably physically impossible for you to “perceive” the danger and “react” before hitting it at 60 mph!  Perception/reaction times are unique to each individual and change with age, experience, stress, weather, visibility, intoxication level and more!

Another common problem with inexperienced riders [and some with much experience] is that they are simply not sure what to do in a sudden emergency.  Again, this is discussed at some length in the MSF classes.  However, in reconstructing crashes we know that riders sometimes choose evasive action that “seems” good, but may simply be wrong, as in our counter-steering example above.  Even worse, as Obenski eloquently states, “…sometimes riding a motorcycle is like combat in that the one thing you can be sure will be wrong is indecision!”  In one study, a full ONE-THIRD of riders did NOTHING in a panic situation – they didn’t even apply the brakes![6] You must take action, the right action, to either avoid a crash, or minimize its impact.

Lesson 2 – Learn What To Do When Life Is Not Good and PRACTICE Before Life Changes!

BRAKES & WEATHER

Today’s motorcycles have incredibly powerful front brakes.  That point is drilled into new recruits by the MSF drill sergeants.  Although it’s a lousy idea, the front brake CAN provide 100% of the stopping power, and get the back of the bike off the ground! It’s better, of course, to split the braking between front [70% or so] and back [30% or so].  This is completely opposite the bicycling mantra of maximizing the rear brake in order to avoid being thrown head over handlebars.  Perhaps this is why many new riders tend to overuse the rear brake.  Faulty braking technique is found to be a factor in many motorcycle crashes.

Locking up the brakes is never a good idea since locked tires have “no directional stability.”  Yet, it is an easy thing to do on a motorcycle, particularly the rear brakes.  You should learn, BEFORE a panic situation, how much force you can exert on that rear brake pedal before they lock up.    Once locked, the rear will try to pass the front!  While perhaps mildly disconcerting in a car, this is frequently an unrecoverable event on a bike and can lead to catastrophic results!

As you might expect, bike brake performance is “highly rider-dependent.”  Operating a motorcycle requires far more technical skill than operating a car but many of us never “practice” – we just ride!  Going over those “parking lot” drills from your MSF class from time to time is a GREAT idea!

Lesson 3: Practice, Practice, Practice…

FINALLY

I commute virtually year round.  As I rode home into and out of a series of high intensity storms last night, I tried to keep Obenski’s words in mind.  “As long as acceleration in any axis is kept below the friction coefficient a motorcycle can be driven even on wet ice!”  In other words, slow down, adjust your thinking, and watch out for those areas of the roadway where the “friction coefficient” may be lessened by rain– areas like intersections, where traffic slows, or the center of the lane, where oil drips.  Rain, after a dry spell [like last night’s here in Cincinnati], creates particularly treacherous conditions as the water mixes with the oils and other stuff on top of the pavement to create a slick surface for cars, trucks, busses AND bikes!

This is just the beginning of an extensive forensic analysis of motorcycle accidents I will undertake in these articles.  As one who routinely represents injured motorcyclists, it seems to me that cars, trucks and busses are forever interrupting the right of way of motorcyclists!  Hopefully, this will never happen to you, but, if it does, try to remember one more bit of scientific wisdom from engineer Obenski – “biology generally makes a softer landing point than masonry…”

GOOD LUCK AND GOOD RIDING!


[1] Steve Magas, The Bike Lawyer, is an avid commuting and touring motorcyclist and an active Ohio trial lawyer who handles motorcycle cases in all of Ohio’s 88 counties!  He can be reached for a FREE Consultation at 513-484-BIKE, or at BikeLawyer@aol.com.

[2] Having dealt with MANY police reports that inaccurately parcel out “fault,” I take this number with a grain of salt!

[3] Fortunately, out of almost 600,000 “units” involved in vehicle crashes in 2005, there were only 4,413 motorcycles – just 0.7%.

[4] See, “Countersteering:  Motorcyclists Who Zig” at www.motorcyclecruiser.com.

[5] 60 mph = 88 feet per second.

[6] http://www.webbikeworld.com/Motorcycle-Safety/braking-tips.htm


BIKE LAW 101 – MAIDS & CONSPICUITY – Part II

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BIKE LAW 101 – MORE HELP FROM MAIDS & A STATISTICAL REASON TO BE CONSPICUOUS!!

By Steven M. Magas[1], Bikelawyer@aol.com – 513-484-BIKE

In an earlier article I described the results of “MAIDS” – an in-depth study of motorcycle crashes in Europe.  The investigators modeled their study after the famous Hurt Report from 1981.  The investigators in the MAIDS study looked at 900+ motorcycle crashes in a truly “in depth” fashion – getting to the crash scenes with police, gathering evidence, examining vehicles, interviewing the riders and motorists, reviewing medical records and doing a true “reconstruction” of each crash.  They published their results in an exhaustive pair of reports – a 173 page Final Report and a 350 page “Report on the Project Methodology and Processes.

Some of the results of the study were not shocking [the object most often impacted by the motorcycle was a car] and some were surprising [most crashes occurred between 5:00 and 6:00 pm while the highest number of fatal crashes occurred between 7:00 and 8:00 pm]  This month we’ll take a closer look at MAIDS and see what we can learn to help us in our day to day riding, commuting and touring..

  1. I. RESEARCH METHODS

The MAIDS investigators recognized that relying on police reports to analyze all the various factors which might cause a motorcycle to crash is woefully inadequate.  Police investigators are not seeking to identify all causes – they are usually trying to determine if there is a need to charge anyone with a crime or traffic offense.  Once that question is answered the depth of their investigation may be as narrow as quickly issuing a ticket to an offender and sending the parties on their way or as in depth as treating the crash site as a crime scene – taping off the area, identifying and marking the location of physical evidence, interviewing witnesses, identifying and analyzing skid marks or gouges in the road, and conducting a “reconstruction.”

The MAIDS investigators wanted to do a truly “in depth” investigation into all types of crashes.  They wanted to do a consistent, uniform investigation that answered thousands of questions in each case.  In order to conduct this type of investigation the MAIDS team secured cooperation from police departments in FIVE countries – France, Germany, Netherlands, Spain and Italy.  Each accident investigated involved a MAIDS investigator at the scene of the crash with police.  “Basic Data Summary Sheets” for each crash were completed.  These data sheets required investigators to answer a total of 1627 questions about each crash!  A “specialized” questionnaire was developed when additional information was required as to a specific component of a crash.  In the 921 crashes investigated, more than 2000 variables were identified and coded for each crash!

In addition to the crashes investigated, the MAIDS teams looked at another 923 cases of motorcycles that were NOT involved in crashes.  This “control” data was essential for analyzing the crash data.  If they wanted to determine, for example, whether the color of the motorcycles in crashes was significant they would need some standard data about all motorcycles  – not just those involved in crashes.

  1. II. CONSPICUITY – “I Didn’t See The Bike”

“Conspicuity” is a favorite topic of mine.  My own totally unresearched “seat of the pants” opinion is that motor vehicle operators wander through life in their big, heavy four wheeled boxes relatively oblivious to what is going on around them.  Distraction, as we all know, has become a huge traffic issue.  Anyone who commutes regularly has seen this phenomena… passing car after car with drivers who are on the phone, texting, reading newspapers or office materials, putting on their make-up, yelling at kids, or using both hands to gesture wildly their traveling companions or fellow motorists!

As you ride your bike through town take a look at the behavior motorists engage in to protect themselves, and avoid crashes when they are changing lanes, turning left, turning right on red or pulling out into traffic..  Usually, this “behavior” amounts to nothing more than a glance – just a very quick look left or right, if you’re lucky.  Motorists often spend less One Second determining whether their next anticipated movement is “safe.”  By “safe” I mean safe for THEM, not for you.

This may explain why the MAIDS teams found that Human Factors were by far the most significant cause of motorcycle crashes.  They determined that car drivers were at fault in slightly more than 50% of the 900+ motorcycle crashes studied.  The motorcycle operator was at fault in 37.1% of the crashes.

What is more interesting, however, is that the MAIDS researchers did not stop here.  Once they determined that “Human Factors” was the contributing factor, they dug deeper into the facts and analyzed what TYPE of failure led to the collision.  They divided these human failures into four categories:

–        Perception Failure – Failure of a rider/motorist to detect danger

–        Comprehension Failure – Failure of rider/motorist to comprehend that what was perceived was dangerous.

–        Decision Failure – Failure of rider/motorist to make a correct decision to avoid perceived dangers.

–        Reaction Failure – Failure of rider/motorist to react appropriately to avoid perceived dangers.

In almost 40% of all crashes studied, the primary cause of the crash was the failure of the car operator to PERCEIVE the motorcycle or its operator.  This was, by far, the most significant cause of all motorcycle crashes caused by human error.   Second place on the “cause” list was a failure of the motorcycle rider to make an appropriate/correct decision to avoid a danger actually perceived by the rider [13%].

Another significant finding by the MAIDS team involves the location of danger to motorcyclists.  Where is the danger coming from?  Ahead of you, behind you, to the sides, from the bike?  The MAIDS team studied this and found that NINETY PERCENT [90%] of the vehicles involved in crashes with a motorcycle were IN FRONT OF THE RIDER at the time of the precipitating crash event.  In other words, very few crashes involved cars that out of the motorcycle operator’s sight prior to the crash.  When the sightlines of motorists were studied similar, although not as dramatic, results were found – the majority of motorcycles involved in crashes were in front of the car driver.

One other human factor studied by the MAIDS team was something called “traffic scanning.”  This is the scan I discussed above, the looking a motorist does before making a move.  As we might suspect, the MAIDS investigators found that motorists were terrible at scanning.  A “traffic scan error” was present and contributed to a crash in 63% of the crashes studied!

Finally, when MAIDS researchers tried to figure out what motorists and motorcyclists were doing just before crashing they determined that in almost 40% of the crashes car drivers were turning LEFT and 65% of motorcyclists were going STRAIGHT.

The “Human Factors” data shows that the failure of car operators to “see” or “perceive” motorcyclists is the most significant cause of crashes.  90% of the danger to us is right in front of us.  The Causation data shows that the “Left Hook” continues to be a significant, and stupid, way that motorcyclists are being hurt and killed.

Is the picture starting to come into focus for you?  What these numbers mean for the average rider?  To me, these numbers are a clear signal to continue hammer home my battle cry for “CONSPICUITY.”

Conspicuity is clearly critical to your safety.  Think back to my earlier thoughts about what motorists do as they are driving down the road and the “traffic scanning errors the MAIDS team found.  How much time does a motorist spend checking for danger before turning left in front of you?  As you ride your Harley, Ducati, Hayabusa, scooter, or Goldwing down the road you may have ONE SECOND or so to make a visual impact in the brain of an oncoming motorist who is glancing your way before starting to pull out from a stop sign or turn left in front of you!  If you fail to make a visual impact, to be PERCEIVED by the motorist, you may need to take action to avoid a crash.

Increasing conspicuity can be achieved in many simple ways.  Adding lights and using them in the daytime.  Wearing a bright or reflective helmet.  Wearing a jacket that is designed to be both seen during a one second glance and perceived as a danger.  Adding, and using, a horn that sounds like a freight train can help you be “perceived” more quickly.  For night riding, you can, again, add lights to the front or back, add reflective tape as part of your trim package, and wear clothing with reflective elements.

What about loud pipes?  Do they help make you more “conspicuous” and avoid crashes?  Accordng Jim Oullet, one of Harry Hurt’s researchers in the Hurt Report, the answer is a resounding NO.  Jim notes, in an article published on the Motorcycle Cruiser webpage, that “…by the time you are close enough for a car driver to hear you, he’s already in your path.  In fact, you run the risk that the driver will be so alarmed that he was stop and STAY in your path!…”  While many love their pipes, do NOT  rely on this as your only strategy for being perceived by others!

The bottom line, whether you dress in black leather or dorky Hi Viz yellow, is to recognize and understand that motorists are crashing into us because they are not SEEING us and not PERCEIVING us as a danger.  Increase your “conspicuity” and you will increase the likelihood that a motorist will “see” you when they look right at you!

GOOD LUCK AND GOOD RIDING!


[1] Steve Magas is an avid motorcycle rider and Ohio trial lawyer who has been protecting the rights of those who ride for more than 25 years.  He writes regular articles on motorcycle safety and legal issues for various publications.  Steve is a motorcycle commuter and tourist who is often found on Big Blue, his 2004 BMW R1150RT riding to work, to court, or to a gig with his classic rock band, Saffire Express, with a trumpet case strapped on the bike!  Steve and his bride recently completed their first extended ride to the “North Coast” – the Indiana Dunes with a side trip to Buddy Guy’s in Chicago!