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Gary Doehling P.C. a personal injury law firm will be opening a new office in the Aspen, CO area September 1, 2010.  Attorney Gary Doehling has been practicing law for over 27 years and  has the experience to help you pursue auto and motorcycle related injuries. 

You are invited to call Mr. Doehling at 970-241-9370 for your free consultation.

Gary Doehling Law P.C. is proud to support the efforts of the Rider Down Network.  This amazing group of people seeks to assist motorcyclists that have gone down and incurred injuries.

Please take the time to visit their web site  WWW.RiderDownNetwork.com and support their cause.

Gary Doehling  is proud to support the “Rider Down Assistance Network”

Rider Down Assistance Network

Any one of us, at anytime, under any circumstances, can become a Rider Down —there is no discrimination.

Most motorcycle groups/clubs take care of their own, but what if the need was beyond their ability or the downed rider did not belong to a group/club?

Answer: A Rider Down Assistance Network (RDAN) throughout the valley encompassing the entire rider community.

Who: Any downed rider regardless of anything else —period. There would be no questions asked and no judgments made. The focus would be the need, nothing else.

What: A need could be short term financial, physical assistance, chores around the house, retrieving the bike, or any number of things.

How: Someone in need would call the RDAN coordinator with a description of the need. The coordinator would call established network contacts that would rally their group/club to the need.

To Make This Work: We need to establish a Rider Down Assistance Network consisting of contact names , email address, and phone numbers for each group/club in the valley as well as any businesses or people wishing to participate. Call the RDAN coordinator today with your contact information.

We also need to spread the word throughout the valley so that downed riders or families of riders can receive the assistance they need.

The Rider Down Assistance Network is coordinated by the Band of Brothers Motorcycle Ministry http://www.bandofbrothersmm.com/.
Call Gordon at 970-250-5849 or Brian at 970-260-5940

Rider Down Assistance Network

Did you know that many insurance companies do an electronic database cross-reference of information with the Department of Motor Vehicles to discover the names of all licensed people living in your household?

As an example, your son or daughter just turned 16 and they get their drivers license. The address placed on the license by the DMV is cross-referenced with all the addresses in an insurance company database. If it matches a home or auto address they have on file, they will notify you in short order that you need to place your son or daughter on the auto insurance policy and pay the proper premium.

Another example of how the systems put in place by an insurance company are no match for an individual.

If you have been injured in an auto accident or motorcycle accident, you would be well advised to call attorney Gary Doehling for a free consultation.

I have previously stated that Medical Payments coverage on your automobile insurance policy is very good coverage and that  you should buy as much as the insurance company will sell you. I am of the same opinion today. The purpose of this note is to make you aware that many insurance companies will put a time limit on Medical Payments coverage. This is done to limit their exposure. this little known fact catches many people by suprise as many are still treating a year after an motor vehicle accident.

Thus, please ask your insurance agent if there are any time limitations on Medical Payments coverage on your auto insurance policy. Don’t get caught in a bad situation for medical treatment/expenses that are ongoing a year after the accident and no longer covered by your auto insurance company.

Scott Krug, CPCU

Claims Manager

A recent article being circulated comments on the fact that the number of uninsured automobiles is rising dramatically due to the current economic conditions. This article simply reinforces claim manager Scott Krug wherein he addressed this very fact in his book, Buying Auto Insurance in Colorado, for the protection of you, your family and your passenger. Scott stated in the guide that Uninsured Motorist Bodily Injury is perhaps the best coverage a person can buy as no matter what laws are passed to try and force drivers to buy auto insurance, the bottom line is that if a family cannot afford the coverage they will not buy or pay the premium. This fact puts all drivers in financial harms way as more and more drivers become uninsured.

You are invited and encouraged to contact attorney Gary Doehling for a free consultation if you have been injured because of an uninsured or underinsured motorist. Toll Free 866-941-9370 in Grand Junction, CO and serving all of Western Colorado and Eastern Utah.

Effective Jan 1, 2009, all new personal auto insurance policies written or renewed after that date will have $5,000 Medical Payments coverage UNLESS YOUR REJECT THE COVERAGE.   Medical Payments coverage on your personal auto insurance policy is GREAT coverage. We suggest that you buy as much of this coverage as the insurance company will sell you. Please talk to your agent before rejecting this coverage.

Auto accidents involving injuries are common. Medical Payments coverage helps pay the medical expenses incurred for auto related accidents.

Head Injuries, paralysis and even death can be the end result of an auto accident.  Review your personal auto coverages with your agent at least once per year.

Sadly, the Grand Junction Sentinel reports of a early morning fatality that appears to have been related to a drunk driver. As mentioned in previous posts,  Grand Junction attorney Gary Doehling asks that you do not drink and drive and help prevent others whom have been drinking from driving.

Attorney Gary Doehling has the ability and experience to sue drunk drivers. Attorney Gary Doehling helps those that have been injured because of a drunk driver. Serious injuries can and do happen because of drunk drivers in Western Colorado and elsewhere. Attorney Gary Doehling is there to help those who have been injured or suffered the death of a loved one because of a drunk driver.  The auto accident death described in the Grand Junction newspaper is tragic. It should have never occurred, It could have been prevented.

Call toll free for a free consultation at 866-941-9370.

Please help keep drunk drivers off the road!

It can be quite nerve racking when driving after hours or knowing that your children are out and about when other people fail to limit their drinking and worse, get behind the steering wheel of a car after doing so. The Gary Doehling Personal Injury Law Firm P.C. encourages all persons to avoid drinking and driving and to prevent others who you know have been drinking from driving.

The newspapers in Grand Junction, Montrose, Durango, Steamboat Springs, Glenwood Springs, Carbondale and Aspen all have endless stories of persons killed or seriously injured because of a drunk driver. Gary Doehling Personal Injury Law Firm sues drunk drivers. Attorney Gary Doehling helps those who have been injured or suffered the death of a loved one because of a drunk driver .

Call Attorney Gary Doehling toll free 866-941-9370 if you have been injured or suffered the loss of a loved one because of a drunk driver.

In the following post

http://doehlinglaw.com/blog/uninsured-motorist-coverage/motorcycle-accidents-in-colorado

I discussed the importance of proper insurance coverage for street legal motorcycles.  I will now discuss interesting points of consideration for dirt bikes and atv’s or any other “toy” that you may have that is not intended for use on a public road and is not subject to title and licensing.

HOMEOWNERS INSURANCE POLICIES USUALLY CONTAIN LIABILITY EXCLUSIONS FOR MOTORCYCLES, ATV’S, BOATS, AIRPLANES.

Again, my experience as a claims manager for an insurance company for many years brought to my attention (on several occasions) the trouble people get themselves into because of their lack of follow through to obtain proper insurance for a dirt bike,  atv or other “toy” they own. I will discuss more particulars regarding Boats and airplanes in a future writing.

You need to automatically assume that you DO NOT HAVE ANY INSURANCE COVERAGE (liability or physical damage) for any toy you buy, own or control unless and until you have a meeting with your insurance agent and he or the company your insured with gives you something in writing that says otherwise.

YOU need to address the following steps if YOU are buying an dirt bike, atv, boat, airplane or any other “toy” that you may have that is not intended for use on a public road and is not subject to title and licensing.

1) DISCLOSE TO YOUR INSURANCE AGENT ALL MOTORIZED “TOYS”  THAT YOU OWN.  For your own protection it is best if you submit a written list of those motorized toys to the agent with

Name of actual owner (individual, commercial entity etc…)

Make

Model

Horsepower or size of engine

Year

Use (i.e. recreation, farm, commercial)

Lien (do you owe money on it if so to who?)

Value (replacement and current market value)

Likely Operators of the unit (you, spouse, children, friends relatives etc…)

2) Have your agent or agents secretary acknowledge receipt of your list in writing for your records.

3) Sit down and discuss with your agent your wishes to be protected for liability arising out of the use of any toy that you may own or control.

4) Sit down and discuss with your agent your desire to have physical damage coverage for the toy(s) if indeed you want to compensated for the value of same if damaged.

5) Ask your agent if their is MEDICAL PAYMENTS coverage available if you or another operator is injured while operating the toy. This is very important coverage for you and any passenger that may be on the vehicle.

6) Ask your agent if the liability coverage extends “off premise“. Can you take the toy away from your residence premises and still have the same liability and physical damage coverage that you may have at your resident premises?

7) Discuss with your agent if indeed the toy has  a “multi purpose“.   Is it used for farming or commercial work as well as recreation? The agent needs to know this and you need to stress that you want liability coverage for all uses.

Review your list of “toys” with your agent each and every year or sooner if you acquire or sell a new toy.

As an insurance claims manager, I witnessed the failure of the toy owner to report to his agent that he/she even had a “toy”. This was a problem for the owner as a denial was usually sent in quick order when there was no liability endorsement or other liability coverage specifically listing that unit involved in an accident.

I also worked and reviewed several personal injury insurance claims where the children of an atv or dirt bike allowed others to ride with them or allowed others to operate the toy. Sure enough that person or all involved are injured and again there is no coverage because the owner simply failed to sit down and discuss the toys with his/her insurance agent.

You are invited and encouraged to contact Gary Doehling Personal Injury Law Firm P.C. in Grand Junction, CO and schedule a free consultation with Gary should you or a loved one been injured in a motorcycle accident in Colorado or Utah.

Toll Free 866-941-9370

Scott Krug, CPCU

Claims Manger

Gary Doehling Personal Injury Law Firm P.C.

www.doehlinglaw.com