The Bull Pen: May 2009

Zzzzzzzzzzzz

So you are having troubles sleeping?  Read on.  Let's face it, talking or in your case reading about insurance is about as much fun as watching paint dry.  Woody Allen once said, "There are things worse than death, Have you ever spent an evening with an insurance salesman"?.

Personally I have never cared much for insurance folks.  When I think about a typical insurance agent the image of a "triple Cleveland" comes to mind.  What's a triple Cleveland say you?  A triple Cleveland is when you wear white shoes, a white belt and a white tie.  Are you with me so far?

Ok, now that I have ripped on insurance folks including myself, there are some very important things you should know about your insurance.  I can tell you first hand both as a victim and agent that most of you are at risk.  Let me start by sharing a common truth with you.  The only insurance you can count on is yours.   It may surprise you but in many states you don't have to carry motorcycle insurance and in Illinois you are only required to carry $20k of liability insurance.   

What does that mean to you?  Let's use me as an example.  A few years back, I was hit head on by a minivan.  The accident broke my ribs, collar bone and made my head look like something out of a science fiction movie.  I spent a few hours in the emergency room where they ran multiple tests.  My bill was $14,000.  What would have happened if I had to spend a few days in the hospital?  What if it was more serious?   We see six figure medical bills quite often for serious accidents and if the person at fault does not have sufficient insurance coverage you should make sure you do.  The coverage I am talking about is called Uninsured or Underinsured Motorist coverage.  If you don't have it on your policy call your agent and get it.  This is the portion of your insurance that makes up for any deficiency the other persons insurance may have.

There are quite a few other components of your insurance you should know.  Since I only have 400 words here you will have to wait until the next installment.  Are you protected?  Don't hope so, know so.  Call your agent.  My name is Dean Akey and I sell insurance without a triple Cleveland.  If I can help you please give me a call.  You can reach me at 877-232-9899.

The Bull Pen

God Speed Anita

by Dean Akey

In a split second it was over...   How could this happen?  Anita Zaffke was enjoying some quality two wheel time in Lake Zurich IL Saturday afternoon, May 2^nd and noticed the light was turning red.  Zaffke stopped and waited for the light to change so she could resume her ride.  The light never did turn Green for Zaffke.

Zaffke was struck by Lora Hunt, 48 who admittedly was painting her nails at the time she hit Zaffke with her Chevy Impala.  According to Lake County Sherriff Mark Curran, Hunt conceded that she was not paying attention and did not see the motorcycle stopped in front of her. 

Zaffke was wearing a helmet and reflective vest when struck.  The impact was so violent that it threw Zaffke and her Honda Shadow about 200 feet up the road.  Think about it, 200 feet is the height of a 20 story building.  Zaffke died about an hour later at Advocate Good Shepherd Hospital in Barrington IL. 

In just a split second Hunt took away everything that Zaffke was and could be.  For Anita Zaffke, life was over.

The Lake County State's Attorney is investigating the accident and will decide if criminal prosecution is warranted.  Unfortunately, under existing statutes, proving felony vehicular homicide may be a difficult case to prosecute based upon the existing definition.  State Rep. William Black (R-Danville) sponsored the "negligent vehicular homicide" bill which would carry a penalty of up to 3 years in prison. Black introduced the bill this year after a bicyclist in his district was killed by a motorist downloading ringtones to a cell phone.  Under the proposed law, distracted drivers who cause deaths would face a prison sentence as well as a $25,000 fine and revocation of their driver's license for at least one year upon conviction.

This tragedy has renewed the debate in Illinois whether a momentary distraction amounts to criminal behavior, comparable to drunken driving.

Let's face the facts.  Motorcycle accidents and fatalities are a major concern.  "Our nation's greatest traffic highway safety challenge is motorcycle fatalities," says U.S. Transportation Secretary Mary Peters, noting that biking deaths are rising while other vehicle fatalities are declining"

According to the U.S. Department of Transportation's National Highway Traffic Safety Administration (NHTSA), in 2007, 5,154 people died in motorcycle crashes, the highest level since NHTSA began collecting data in 1975. The 2007 figure represents a 6.6 percent from 4,837 the previous year.

Motorcycle crash fatalities have increased every year for the past 10 years. Motorcyclists were 35 times more likely than passenger car occupants to die in a crash per vehicle mile traveled in 2006 and eight times more likely to be injured, according to NHTSA.

Zaffke's accident is a fairly rare occurrence.  According to the NHTSA, Only 5 percent of motorcycle fatalities were struck in the rear.  78 percent of the motorcycles fatalities involve two vehicles were struck the impact is in the front.

So what can my 7.1 million biker brothers and sisters do to help address this epidemic?  As bikers we need to be seen and heard.  I hope you join me in supporting legislation like the negligent vehicular homicide bill that would allow us to effectively prosecute those who do us harm.

I would also ask you to join me in developing your skills to provide emergency medical assistance to the victims of accidents.  What we do immediately after an accident until professional emergency response personnel arrive can and does save lives.  I invite you to visit the Rescue Riders www.rescueriders.org and ask yourself if you are ready to "Ride for a Reason". 

My thoughts and prayers are with the family and friends of Anita Zaffke.  There will be a visitation at Ahlgrims funeral home, 415 S Buesching Rd in Lake Zurich on Thursday May 7^th 3pm & 9pm.  The funeral service will be Friday at 10:00 am.  The family has asked us to help spread the word and has encouraged all interested motorcyclists to join these services to honor the memory of Anita Zaffke.

I hope you can join me in honoring Anita and all of our fallen brothers & sisters.  God speed Anita.