Biker News - Regularly updated

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Category: Safety & Compensation

  1. Motorcycle Repatriation

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    You are packed and ready to go on your motorcycling holiday abroad. Maps, Sat Nav, credit card, and toothpaste. Just the mosquito spray and clean underpants to get. Your bike is brimmed with petrol and ready to board the ferry for France or Spain. Your Passport is up to date and all the arrangements for contact numbers with friends and relatives have been made; but what about motorcycle repatriation insurance?

    You are fit and healthy and your motorcycle is in good condition and only has nine thousand miles on the clock which brings it well within the guarantee period.  

    Your aged parents need travel insurance, so why should you? If need be, you’ll push your motorcycle back to the Ferry in the event of a breakdown, or if you have to, in the event of a motorcycle accident you can leave it at the roadside and get the nearest plane back.  

    But what if you are so seriously injured that you have to be flown back to the UK by air ambulance (repatriated)? What if you contract a disease that renders you unconscious? What if you injure other people and you are at fault? The ‘what ifs’ are endless and so are the bills that will follow you around if you aren’t insured, this is when you think “I should have taken the motorcycle repatriation insurance option on my bike policy”. Cases have been known to attract bills that can amount to hundreds of thousands and sometime millions of pounds.  

    These aren’t the kind of cases that you can go to the County Court with and offer to pay at £5 per week. Medical Insurance companies don’t mess around for their money and usually bankrupt you and take your home and possessions from you. And all because you decided that you didn’t need motorcycle repatriation insurance.  

    Repatriation for injured motorcyclists is a costly procedure. Imagine the hospital bills and travelling bills that have to take into account the recovery of your machine. So, what sort of Insurance will you need? How much will you need to be covered for? To be on the safe side, two million pounds worth of cover should be adequate to take care of your needs. You must also make sure that your motorcycle insurance policy covers you for motorcycle repatriation. Another essential is the need for 24 hour coverage. Accidents and illness don’t take heed of what time of day or night it is; but motorcycle insurers and the emergency services do. You must read the small print and understand what you are and are not covered for BEFORE YOU GO.  

    ‘Support’ insurance will offer you exactly what it says on the document. It will offer you accident assistance and medical treatments. It will also offer you motorcycle legal assistance when you need it most. In some countries, once you are involved in an accident, the matter involves the Police that will usually want to arrest you and incarcerate you in a cell from the moment you are well enough to be imprisoned; guilty or not!   Also check with you bank or any personal insurance you may have. Check with your credit card company to see if they offer you insurance that includes motorcycle repatriation.  

    Members of the European Union can obtain basic motorbike insurance cover for medical emergencies and treatment through the EHIC scheme. It is worth looking at the terms and conditions that it offers. Remember, it is only basic insurance and will not cover emergency motorcycle repatriation.   Always take copy documentation with you and leave copies with people who are the first point of contact. Always leave contact details about your person in case you are rendered unconscious and details of your identity are needed as a matter of urgency by the emergency services.  

  2. FILTERING – RIDING THE LINE – LEGAL OR ILLEGAL?

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    Why do motorcyclists filter? The answer is, because they can!

    Guided by the brain of an experienced biker, a motorcycle is one of the smallest yet most powerful machines on the planet. Maneuverability is its second name and its ability to negotiate the tightest traffic jams has been accepted since traffic jams were born. But is it legal? Here we discuss filtering and its effect upon accident claims.  

    The relationship with cars and heavier vehicles is inextricably linked since it is they that we negotiate when filtering and furthermore it is they that usually send us flying across the road surface when they come into contact with us.  

    You have to go back to basics to understand your relationship with legality and who actually owes a duty of care to whom. Let’s start with the Highway Code and learn what it says. It is quite precise in what it says about the standard and duty of care of car drivers. (In this I also refer to ‘car drivers’ as meaning other road users of light and heavy goods vehicles.) Accidents are usually caused when vehicles are maneuvering whilst stuck in queues.

    We bikers like to refer to it as impatience. The Highway Code is quite specific when it refers to maneuvering in that it states   “You should be aware of what is behind and to the sides before manoeuvring. Look behind you; use mirrors if they are fitted. When in traffic queues look out for pedestrians crossing between vehicles and vehicles emerging from junctions or changing lanes. Position yourself so that drivers in front can see you in their mirrors. Additionally, when filtering in slow-moving traffic, take care and keep your speed low.”  

    So, just how many seem to forget this basic and simple rule of motoring? You don’t need a bead board to count them at rush hour.  It continues with this simple golden rule: “Remember: Observation – Signal – Manoeuvre”   Some say that rules are made to be broken, and so are necks and limbs, but that doesn’t make it alright.  

    Rule 204 states   “The most vulnerable road users are pedestrians, cyclists, motorcyclists and horse riders. It is particularly important to be aware of children, older and disabled people, and learner and inexperienced drivers and riders.”   Quite specific I would say. Whilst I don’t want to bore you with endless quotations I think that it is important to note what else is said in the Highway Code. These passages will be useful to you in the event of an accident, so we cannot emphasis strongly enough that you be aware of them.  

    Under the sub heading of ‘Motorcyclists and cyclists’, Section 211 says:   “It is often difficult to see motorcyclists and cyclists, especially when they are coming up from behind, coming out of junctions, at roundabouts, overtaking you or filtering through traffic. Always look out for them before you emerge from a junction; they could be approaching faster than you think. When turning right across a line of slow-moving or stationary traffic, look out for cyclists or motorcyclists on the inside of the traffic you are crossing. Be especially careful when turning, and when changing direction or lane. Be sure to check mirrors and blind spots carefully.”   Thereafter, section 213 states:   “Motorcyclists and cyclists may suddenly need to avoid uneven road surfaces and obstacles such as drain covers or oily, wet or icy patches on the road. Give them plenty of room and pay particular attention to any sudden change of direction they may have to make.”  

    The advice isn’t rocket science; it’s just a matter of using good road sense and using mirrors and making yourself aware of what is around you. But you must be aware that whether you are on a moped, scooter or high powered motorcycle, filtering is one of the most hazardous and dangerous things you can do. Perfectly legal; yes, but dangerous – very, very dangerous.   Motorcyclists are constantly aware of what drivers do, but that is not so of drivers who sometimes seem oblivious to motorcycles and scooters. Very recently the term ‘think bike’ was used to press the point home in a national campaign to make drivers aware of bikers. That should tell you something about the ‘driver’ mentality. At all times, we are aware of them but sometimes they are oblivious of us and that can be to our detriment. So what happened to that successful campaign? Like most useful campaigns it appears to have been shelved. Maybe they think that the message has got home, but whoever thought that could not be more wrong. Just visit any Orthopaedic ward and look at the long line of legs in plaster that say otherwise.

    Everybody recognises the vulnerability of motorcyclists when a collision occurs, and this is made quite plain in the Highway Code. But despite this, we constantly see cases where motorcyclists are persuaded to accept a certain amount of blame apportionment because some courts see filtering as being a contributory fact. In this legal system, cases are usually decided by considering earlier cases that are referred to as ‘precedents’. A precedent is where the facts of one case can be applied to another and the reason for deciding the case outcome is usually made by the Judge whose comments are taken into account. This ‘reason for deciding’ rule follows in all cases, and whilst sometimes it can be inappropriate to your case, the danger is that it can be used to persuade the court in favour of a driver as opposed to a motorcyclist.   There have been cases in the past where motorcyclists have been found to be 100% at fault when they have been filtering.  

    When it comes time to argue compensation in cases involving filtering or overtaking, contributory negligence is always argues against the motorcyclist. Being aware of your rights before you even visit your lawyer this can sometimes ensure that unreasonable arguments simply being made to save the Insurers money can be nipped in the bud.  

    In some countries they call it line riding, and in the US they call it ‘lane splitting’. There have been various attempts to argue the legality of this type of manouvre made by bikers over the years.   In Europe, the MAIDS Report was conducted using (OECD) standards in 1999–2000 and collected data on over 900 motorcycle accidents in five countries, along with non-accident exposure data (control cases) to measure the contribution of different factors to accidents. Four of the five countries where data was collected allow lane splitting or filtering, while one does not, yet none of the conclusions contained in the MAIDS Final Report note any difference in rear-end accidents or accidents during lane splitting.  

    It should be noted that the pre-crash motion of the motorcycle or scooter was lane-splitting or filtering in only 0.4% of cases, in contrast to the more common accident situations such as "Moving in a straight line, constant speed" 49.1% and "Negotiating a bend, constant speed" 12.1%. The motorcyclist was stopped in traffic prior to 2.8% of the accidents.   Preliminary results indicate that from a study in the United Kingdom, conducted by the University of Nottingham for the Department of Transport indicated that filtering and lane splitting is responsible for around 5% of motorcyclists that are killed or injured. It also found that in these cases where filtering took place the motorist or car driver is twice as likely to be at fault as the motorcyclist due to drivers "failing to take into account possible motorcycle riding strategies in heavy traffic". Maybe some would conclude that the results aren’t conclusive, but the indications point directly at car drivers as opposed to motorcyclists.  

    To conclude, what we are certain of is that in the majority of cases of collisions where car drivers pull into the path of motorcyclists, bikers get a raw deal if they are caught ‘filtering’. The stigma attached to this relatively harmless yet safe mode of traffic negotiation has become a dirty word in the eyes of some lawyers and insurance companies.   In short the word filtering has just become a stick with which to beat the poor old biker, yet again.   If you are going to filter, be aware at all times that you could be dubbed the aggressor. If that will satisfy the greed of the insurers and their defendant lawyers in their endless quest to save their shareholders money, then you must understand that you will have your work cut out for you in the event of an accident.  

    The biker’s motto should be: “Think once, think twice, think idiot!”...

    Remember this when referring to other drivers and you won’t go far wrong.

  3. Biker Tips For Safe Riding

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    As bikers ourselves, we thought a gentle reminder and some basic riding tips may be in order especially if you have not  ridden for a while.  

    Always give yourself space.
    People driving cars often don’t see motorcycle riders. Even when drivers do see you, chances are they’ve never been on a motorcycle and can’t properly judge your speed.  

    Be visible at all times:

    Remember that motorists often have trouble seeing motorcycles and reacting in time.
    Make sure your headlight works and is on day and night. Use reflective strips or decals on your clothing and on your motorcycle.
    Be aware of the blind spots cars and trucks have.
    Flash your brake light when you are slowing down and before stopping. If a motorist doesn’t see you, don’t be afraid to use your horn.  
    Dress for safety: Wear a quality helmet and eye protection. Wear bright clothing and a light-coloured helmet.
    Wear leather or other thick, protective clothing. Choose long sleeves and pants, over-the-ankle boots, and gloves.
    Remember – the only thing between you and the road is your protective gear.  

    Apply effective mental strategies:

    Constantly search the road for changing conditions.
    Give yourself space and time to respond to other motorists’ actions.
    Give other motorists time and space to respond to you.
    Use lane positioning to be seen; ride in the part of a lane where you are most visible.
    Watch for turning vehicles.
    Signal your next move in advance.
    Avoid weaving between lanes.
    Pretend you’re invisible, and ride extra defensively.
    Don't ride when you are tired or under the influence of alcohol or other drugs.
    Know and follow the rules of the road.
    Stick to the speed limit.  

    Follow these basic steps to protect you and your beloved machine.

  4. Sorry mate, I didn’t see you

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    Sixty-nine per cent of motorcyclists were cut-up by another road user who didn’t look properly, in the last six months, according to the IAM’s latest poll. Of those who experienced near misses, 86 per cent were forced to take evasive action.
     
    These incidents are known as SMIDSYs – ‘sorry mate I didn’t see you’ – which is often the reaction of the perpetrator when these events result in accidents. Failure to look is a contributory factor in 29 per cent of serious collisions and 36 per cent of slight accidents according to IAM research.1


     • Seventy-three per cent of motorcyclists cited the driver not paying enough attention as one of the main factors for incidents of this type.
    • Forty-three per cent of motorcyclists were involved in a near miss up to two times.
    • Fifty-six per cent of motorcyclists had experienced a near miss with a cyclist.
     
    Eighty-three per cent of drivers said that these incidents would decrease by improving drivers’ awareness of motorcyclists.
     
    IAM chief executive Simon Best said: “SMIDSY moments are happening far too often, and very few people are prepared to take responsibility for their part in them. It’s always someone else’s fault. All road users need to be more aware of who they are sharing the road with, and the risks they present.
     
    “Other road users’ intentions can often be guessed by their body language and position on the road, so ride defensively, and leave room so that if somebody does do something unexpected, you have time to deal with it.”
     
    The IAM suggests top tips for bikers for sharing the road:

    • Always assume that other road users may not have seen you
    • When travelling in a straight line position yourself where a car driver would be sitting. This is where other road users will be looking
    • Give drivers time to realise you’re there. Don’t arrive so fast you startle the driver
    • Always leave plenty of space between yourself and other traffic
    • Look well ahead to avoid needing to make sudden changes in direction for potholes
    • Be seen. Big blocks of bright colour are better than broken up or patterned clothing, which effectively camouflages you. And always make sure you have your headlight on.

    www.iam.org.uk

  5. Right To Ride - Road Safety Survey

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    Apparently everyone’s views, especially those of older people, are being sought in a survey aimed at improving road safety.

    In 2010, 106 people aged 65 and above were killed or seriously injured on our roads, including 26 pedestrians.
     
    Department for the Environment Minister Alex Attwood said: ‘These are chilling statistics. We know that older people are one of the most at risk groups on our roads and that they are particularly vulnerable when out walking. Improving their safety is a priority for my Department and a key part of Northern Ireland’s Road Safety Strategy to 2020, which recognises that older people will form an increasing proportion of the population here in the years ahead."

    Inviting all road users to fill in a survey which is available online or that can be posted out, the Minister added: "I value the views of the whole community and would encourage everyone, not only older people, to take part in this important research. This is part of an ongoing project which will help us to better understand the issues involved and develop new ways to tackle them."
     
    The survey can be completed by people of all ages and the questions will be automatically tailored to suit your age range. However, although the questions are designed to help find out about the behaviours and attitudes of road users as drivers, passengers, pedestrians or cyclists, you will note there is no mention of motorcyclists or any derivation of two wheels – scooterists or three wheels – Trike Riders.
     
    At Right To Ride we are sure there is no conspiracy to exclude riders, because the content of the survey and its aims to investigate the main causes of, and factors contributing to, road collisions involving older people are more important.

    Right To Rides, Trevor Baird, said, “The questions in the survey ask your views on, assessment to drive at 70+ years, a section for Older Drivers (60 years +) which goes in-depth into ability and issues for those over 60+ as a car diver, a pedestrian, a cyclists, Public Transport but not motorcyclists.”
     
    However the survey does ask your views on your experience of older drivers and the data may also be used in a wider European study (the 'SaMERU' – Safer Mobility for Elderly Road Users - Project) into improving road safety of older people.
     
    Like most “good” surveys at the end you can leave, “any additional comments including any suggestions on how the road safety of older people could be improved”.
     
    At Right To Ride however, we are sure that riders will comment how disappointing it is that motorcycles - scooters or mopeds as motorised transport are not included in the survey and take the opportunity to comment as a 60+ rider or as a younger rider, on the issues.
     
    The survey will run until the end of February and can be filled in at the following link and should take no longer than 10 minutes to complete or you can request for it can be posted out to you:

    Road safety survey – SurveyMonkey website http://www.surveymonkey.com/s/DOE_Older_Road_Users
     
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