What Causes Motorcycle Accidents and How to Avoid Them?
Out of all US states, California is one of the busiest when it comes to traffic. Highways and smaller roads are almost always crowded with lots of vehicles and that increases the chances of drivers getting into an accident. A type of vehicle which accounts for some of these accidents is the motorcycle.
Generally, motorcycle riding is one of many Americans’ favorite pastimes. It offers that thrill that cars don’t and it is also an easier way of commuting when living in a busy state like California.
However, riding a motorcycle comes with its own risks and dangers which can easily turn into a fatality and lead to more serious legal issues later on. In this case, hiring well-experienced motorcycle accident lawyers in California is crucial to help you along the way so you can ensure your legal rights are protected.
In the meantime, here is a brief list of the most common causes of motorcycle accidents and how to avoid them.
The acceleration rate on motorcycles is thrilling because it offers that feeling of an unlimited power being released. However, speeding too much can instantly lead to an accident and cause severe damages both to the rider and to those around them. The general assumption is the higher the speed, the greater the impact and the more severe consequences will be.
To avoid getting injured and hurting others along the way, it is strongly recommended that you ride within the permitted speed range. No matter how clear the roads are or how much control you have over your bike, excessive speed is dangerous.
Collisions are another common cause of motorcycle accidents. They can happen between motorcycles and fixed objects or in a head-on collision with another vehicle. The results from these crashes can be especially fatal for the motorcyclists because they aren’t shielded by a box of metal or cushioned by airbags like car drivers are.
The best way to avoid them is to be mindful of the other vehicles on the road as well as the surroundings. Make sure you reduce speed while riding and that you are visible to other drivers so they can notice you and give you enough time to stop or maneuver.
A common cause of motorcycle accidents that is often overlooked by riders is poor roadway conditions. Elements that can lead to such accidents include poorly lit roads and intersections, pavement defects, unmarked lane changes, dangerous bridge joints, gravel or sand and leaves or grass clippings.
The truth is motorcycles are very vulnerable to such hazardous road conditions. They can easily disrupt the stability of the vehicle which will further cause the motorcyclist to lose control and suffer an injury along the way. To avoid getting hurt, be aware of the roadway situation and come up with a safe riding plan.
Improper motorcyclist behaviors can also contribute to severe and fatal traffic accidents. Some riders get so high off of the adrenaline that they are sometimes willing to break the law and violate their safety while riding. Whether it is due to alcohol use, high speeding or simply not wearing a helmet, there are several reckless driving factors that can lead to an accident.
To avoid such incidents, you should always wear your helmet, follow the road laws and never ride under the influence. Failing to do this will put your life in danger as well as the lives and safety of other drivers.
Varied weather conditions can also lead to motorcycle accidents. Anything from the sun shining straight into the eyes to heavy rainfall and leaves and other debris on the road can contribute to traction issues and decreased visibility which will disrupt the driving of a rider and involve them in an accident.
Therefore, being mindful of the weather conditions under which you are planning to ride is very important before you actually hit the road. If it is raining too much, wait for the rain to pass and the road to dry out so you get on your motorcycle.
There is no doubt that riding a motorcycle is such an exhilarating experience for Californian citizens. However, one wrong turn, excessive rate of speed or a simple reckless driving behavior can instantly lead to a severe accident which can end up bad both for the rider and to those around them.
That’s why it is important that you are being careful on the road so you can avoid putting your life in danger as well as the lives of the other vehicles and passengers.
Who Should Consider Buying a Universal Life Insurance Policy?
Universal life insurance is a type of permanent life insurance policy. That means it covers you for life and comes with a cash value growth component. Once you build enough cash value, you can withdraw from or borrow against it. You also receive the full value minus surrender charges if you surrender the policy. Universal life insurance also lets you increase your death benefit or decrease your premiums, providing you with more flexibility.
All these features make universal life insurance a good potential investment for many types of people. With that in mind, this article will cover several circumstances where getting a universal life insurance policy can be helpful.
1. Those who need lifelong coverage
Universal life insurance offers lifelong coverage as long as you stay current on your premium payments. That means, unlike with term life insurance, you don’t need to worry about your policy expiring.
Another benefit to lifelong coverage is that you can lock in your premiums for the rest of your life. Life insurance premiums rise with age, but once you buy life insurance, your premiums remain fixed unless you adjust them within your policy.
2. Parents with multiple children
Raising a child can cost an average of almost $13,000 per year. Plus, parents may have to save money for each child’s college education. This can make it challenging for one parent to raise multiple children if their partner passes away — even if both partners earn incomes.
Universal life insurance can help alleviate these worries. If you pass away, your partner will receive a substantial death benefit to replace your income, pay off debts, and set aside money for the future.
Thanks to the cash value, universal life insurance can also help you raise your children even if you don’t pass away. Over time, your cash value may grow quite large. You can withdraw from or borrow against it at favorable terms and low rates. This offers you the funds to pay for family expenses and potentially cover your children’s college educations. Finally, if you ever need to change coverage to save money on premiums or up your death benefit, universal life insurance lets you do that.
3. Those who want to build wealth
A universal life insurance policy’s cash value can offer a source of wealth for policyholders. As mentioned, you can withdraw from it when it grows large enough, although you must be aware of any tax consequences. Y ou can also borrow against it at low rates. However, you must make sure the loan balance doesn’t grow larger than the cash value, or the policy could lapse. Finally, if you decide you no longer need life insurance and surrender the policy, you can receive all of your cash value minus surrender charges.
In any case, this cash value can offer a significant source of wealth when used wisely. You could use the proceeds to refinance or pay off debt, supplement your retirement funds, make large purchases, travel, and more.
The bottom line
Universal life insurance can fit many people’s needs. It offers lifelong coverage, which allows you to get a policy early and lock in premiums without worrying about coverage expiring.
Families with many children can find it useful as well. You can rest assured that your partner and children will be protected if you pass away. Plus, you can use the cash value to help cover childcare costs and future expenses, like education.
Finally, anyone who wants to build wealth could find universal life insurance helpful. You can withdraw or borrow from the cash value to travel, pay off debt, boost your retirement funds, and more. So, consider looking for universal life insurance if any of these describe your situation and financial needs.
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