Articles Posted in Auto Accidents

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You buy a new car and you finance it and make your payments every month.  You drive a lot and put 60,000 mile on your car in one year. Then one year later another driver runs a red light and slams into your car.  You, thankfully, are not injured, but your car is a total loss. Good thing you have full coverage.  You insurance company evaluates your car and determines the value of your car is $15,000 and will cut you a check for that amount.  Unfortunately, you still owe $20,000.00 on your car.   You complain about the settlement offer but the insurance company points out that they are only liable to pay the value of your car, not what you paid for it and directs you to Kelly Blue book to verify what your car is worth. You may ask how can I protect myself from incurring a loss in this situation.  The personal injury Lawyers of Zneimer & Zneimer, P.C, have encountered this scenario quite a few times and the first think we ask our clients is was there a GAP insurance policy in affect at the time of the accident.

What Is GAP Insurance?

GAP insurance“Guaranteed Asset Protection” is a type of auto insurance coverage that protects car owners from financial loss if their vehicle is totaled or stolen and the payout from their standard auto insurance doesn’t cover the full amount they owe on the car loan or lease.

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Written and reviewed by Peter Zneimer

Anyone who computes down Western Ave. in Chicago has noticed all the construction being done along the sidewalks to add curb bump-outs and other pedestrian friendly additions.  Curb bump-outs are curbs that are extended into the street, creating more space on the sidewalk at the corner.  The philosophy behind curb bump-outs according to the Chicago Department of Transportation website is that the bump-outs make the streets safer and reduce pedestrian injuries that result from pedestrians being hit by a car:

  • Slowing down traffic by narrowing the street

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El uso de scooters eléctricos ha aumentado dramáticamente en Chicago en los últimos años. La popularidad de los scooters eléctricos ha sido impulsada por la introducción de servicios compartidos como Divvy, Lime y Spin. Estos scooters se dejan en las aceras y calles y se pueden desbloquear con una aplicación de teléfono inteligente. Cuando un usuario termina su viaje, puede dejar el scooter en su destino. Este aumento en el uso de scooters eléctricos ha estado acompañado por un aumento en las visitas a la sala de emergencias relacionadas con los scooters eléctricos.

Es fácil ver lo vulnerables que son los conductores de scooters a las lesiones. Los scooters eléctricos alcanzan velocidades de hasta 20 MPH y algunos incluso van más rápido. El abogado especializado en lesiones por scooters eléctricos, Peter Zneimer de Zneimer & Zneimer, P.C., recientemente conducía por la avenida Peterson en Chicago a aproximadamente 25 MPH cuando fue adelantado por un scooter eléctrico que iba al menos a 30 MPH. Además, los scooters eléctricos tienen ruedas pequeñas que requieren superficies lisas para circular. Como cualquier residente de Chicago puede confirmar, los baches y las superficies irregulares están por todas partes en las calles de Chicago. Cuando las ruedas pequeñas de un scooter eléctrico golpean un bache o una superficie irregular, es probable que el conductor salga despedido con fuerza al pavimento. Si una persona se cae de un scooter eléctrico al pavimento a estas velocidades, las lesiones son casi seguras. Las lesiones más comunes son cortes, raspones, moretones, fracturas y lesiones en la cabeza.

Hubo aproximadamente 42,200 visitas a la sala de emergencias en los Estados Unidos en 2021, según la Comisión de Seguridad de Productos del Consumidor. Esto representa un aumento del 66% con respecto a 2020. El aumento en las lesiones afecta a niños menores de 16 años. Debido al alto riesgo de lesiones, la Academia Estadounidense de Pediatría recomienda que los niños menores de 16 años no puedan usar scooters eléctricos.

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Escrito y revisado por Peter Zneimer

En los últimos años, Chicago ha invertido mucho en mejorar la seguridad en los cruces peatonales. La ciudad ha agregado señales en muchos de los cruces. Algunos incluyen advertencias de que es una violación de la ley estatal no detenerse para los peatones en un cruce peatonal. Los cruces más sofisticados tienen luces intermitentes que se activan al presionar un botón que advierte a los automovilistas que los peatones están cruzando. Los esfuerzos de la ciudad para mejorar la seguridad peatonal son dignos de elogio, dado el aumento de las lesiones peatonales en Illinois. Los abogados de lesiones personales de Zneimer & Zneimer P.C. observan que los casos de accidentes peatonales suelen tener lesiones graves porque estos accidentes, la mayoría de las veces, implican un vehículo que golpea a un cuerpo humano.

Dado el aumento constante de muertes peatonales en el condado de Cook, el dinero gastado en mejorar la seguridad peatonal está bien invertido. Según la Administración Nacional de Seguridad del Tráfico en las Carreteras (NHTSA), las muertes por accidentes peatonales en el condado de Cook aumentaron un 28% entre 2016 y 2020. En otro estudio realizado por la Asociación de Seguridad en las Carreteras de los Gobernadores (GHSA), se mostró que las muertes de peatones en Illinois aumentaron un 55% entre 2005 y 2020.

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Written by Peter Zneimer

The laws of physics apply to everything including vehicle crashes.  When a 5,500 pound SUV or pick-up truck crashes with an automobile weighing 3,300 pounds you would expect the automobile to sustain more damage and consequently the automobile driver is more likely to be injured or killed.  The car injury lawyers of Zneimer & Zneimer P.C. have observed that when smaller cars are involved in crashes with large SUVs or pick-up trucks, the smaller car will incur significantly more damage. The Economist recently did a study where it collected ten years of crash data from police reports from 14 states. Their findings were published in September 7th, 2024 in an article entitled “Dangerously heavy”.  The numbers are stunning.  For the heaviest vehicles, those weighing around 6,800 pounds, the drivers of these vehicles experienced 4.1 “own car deaths” per 10,000 crashes. compared with 6.6 “own car deaths” for cars weighing the average of 3,500 pounds.  However, these heaviest vehicles were responsible for  37 “partner -car deaths” per 10,000 crashes. So while the drivers of the heaviest vehicles were slightly more safe, the rest of us in cars were put at substantially more risk of injury or death.  The Economist observes based on this data “that for every life that the heaviest SUVs and trucks save, more than a dozen lives are lost in other vehicles.”  For vehicles in the top 10% of weight, weighing at least 5,000 pounds, the death rate was 26 deaths per 10,000 crashes.  The SUV or pick-up driver experienced 5.9 of these deaths per 10,000 crashes while the unlucky partner vehicle experienced 20.2 deaths per 10,000 crashes. For the next category for vehicles weighing 5,000 to 4,500 pounds the the breakdown was 5.4  SUV or pick-up driver deaths per 10,000 crashes and a death rate of 10.3 deaths per 10,000 crashes for the partner vehicle.  What the statistics make clear is that weight kills. Furthermore, it is also clear that the weight of the heaviest vehicles can be reduced substantially with only minimally affecting the safety of the SUV or pick-up truck driver while saving many more lives of people driving average weight vehicles.

Given these stark statistics one would think there would be more attention focused on this safety issue.  However, the injury lawyers of Zneimer and Zneimer, P.C. note that American cars are only getting heavier creating an arms race environment where American drivers need to buy heavier and heavier vehicles just to be safe from other drivers. The average new car in America now weighs 4,400 pounds while the average European car weighs 3,200 pounds and the average Japanese car weighs 2,600 pounds. One solution would be to levy a steep surcharge on the heaviest vehicles.  Before such an idea can gain traction however, people need to be more aware of the dangers poised by the heaviest SUVs and pick-up trucks on the roadways.

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Written and Reviewed by Peter Zneimer

Wandering around Chicago, one will witness firsthand the micromobility revolution.  In high traffic areas, everywhere you look in Chicago you will see people riding e-scooters, e-bikes  and pedal  bikes.  The surge in micromobility is fueled by corresponding surge of on-demand bicycle and e-scooter networks such as Divvy, Lime and Spin flooding the city.  Such services, hypothetically, offer young, solo riders an easy, cheap, and eco-friendly way to take way to take short trips.  Over 4 million e- scooter trips have been recorded in Chicago since 2022.

Along with the benefits come with many safety risks. The rise of micromobility vehicles has been accompanied by emergency room visits by users of these vehicles. The e-scooter injury attorneys of Zneimer & Zneimer P.C. have experienced first hand the rise of e-scooter accidents with injuries by the number of call we are getting.   Anyone driving a car or walking around Chicago has most likely had a close call with a Divvy bike or  a Lime, Spin, Divvy E-scooter.  One of the major problems with micromobility is the limited number of protected bike lanes in Chicago.  Most of the so called bike-ways are at best, a painted bike lane that runs parallel to the parked car lane. At worst, the bike-way is simply a street with a bike painted on it.  This state of affairs leads to micromobility commuters being exposed to getting hit by a motor vehicle.  Damen Ave. and Lincoln Ave. are examples of  bike-ways with painted on bike lanes that offer minimal protections.  Damen Ave. in particular goes from wider bike lanes, to narrower bike lanes to bike lanes so narrow they barely afford room for a bike and car to fit on the road.

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Electric scooter use has risen dramatically in Chicago over the last few years. The popularity of  electric scooters is spurred by the introduction of shared services such as Divvy, Lime and Spin.  These scooters are left on the on sidewalks and streets and can be unlocked with a smartphone app. When a user is done with their trip they can just leave the scooter at their destination.  With this surge of e-scooter usage has been accompanied by a surge in e-scooter related emergency room visits.

It is easy to see how susceptible to injury scooter riders are.  E-scooters travel up to 20 MPH and some travel even faster.  E-Scooter injury lawyer, Peter Zneimer of Zneimer & Zneimer, P.C. was recently driving down Peterson Ave. in Chicago going about 25 MPH when he was passed by an e-scooter going at least 30 MPH.    On top of that, e-scooters have small wheels that require smooth surfaces to ride on.  As any resident of Chicago can attest, potholes and rough surfaces are everywhere on Chicago streets. When the small wheels of a e-scooter hit a pothole or rough surface, the rider is likely to be thrown hard on to the pavement. If a person falls off an e-scooter on to the pavement at these speeds it is almost guaranteed to be injuries. The most common injuries are cuts, scraps, bruises, fractures and head injuries.

There were approximately  42,200 emergency room visits in the United States in 2021 according to the Consumer Product Safety Commission. This represents an increase of 66% over 2020. The increase in injures for children under 16.  Because of the high risk of injury, the American Academy of Pediatrics recommends that children under 16 should not be allowed to ride electric scooters.

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Written and reviewed by Peter Zneimer, Zneimer & Zneimer P.C.

The bike lawyers of Zneimer & Zneimer P.C. observe that there are more bicyclists on the road than ever and with that more bicycle injuries than ever. Chicago, like other major USA cities has made a major push to encourage people to ride bicycles and have added hundreds of miles of bike lanes to Chicago streets. The push is bearing fruit.  A study by the Chicago Department of Transportation has shown that biking is up 119% in Chicago between the fall of 2019 and the spring of 2023.  The comprehensive survey also showed that bicycle trips are up 117% for shopping, 93% for eating out and 8% for commuting to work.

Though other major US cities may have invested more in bike infrastructure in the past, Chicago maybe catching up.  According to CDOT, last year the city of Chicago completed 27 miles of new and protected bike lanes and 18 miles of greenways with more bike lanes planned.  Bicycle advocates argue that the data shows that improvements in bike infrastructure lead to large increases of bike use and that if the city keeps improving the infrastructure, bike usage will continue to grow in the future.

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A recent study done by the Insurance Institute of Highway Safety indicates that the rise of pedestrian deaths in recent years could be attributable to the rise in popularity of larger vehicles.  The authors of the study conjecture that poor visibility  and blind spots that these vehicles have could be a major factor in their findings.  The Chicago personal injury lawyers of Zneimer & Zneimer  have noticed that many of their pedestrian injury cases did in fact involve SUV’s and pick-up trucks.

The statistics are striking. According to the National Highway Traffic Administration, 6,519 pedestrians were killed in the United States in 2020.  That represents an astounding 59% increase since 2009.  Over the same period of time the sales of SUV’s and pickup trucks rose dramatically, now accounting for almost 50% of all new vehicles sold.

A North Carolina study was done from 2010 and 2018 that demonstrated the impact of SUV’s and pickup trucks on pedestrian injuries.  This study found that  pickup trucks were 42% more likely to hit pedestrians when making a left turn and  SUV’s were 23% more likely to hit a pedestrian.  Experts conjecture that this disparity is that the larger vehicles have poorer viability.    SUV’s and pickup trucks have A-Pillars which can block viability.  Additionally, Consumer Reports found that truck hoods have risen 15% since 2000.  The magazine also found that the Ford F-250 was a staggering 55 inches off the ground which is as tall as the roofs of many cars.  The high hoods obstruct the view of people walking in front of the truck, especially if the pedestrians and are short  or are children.

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The Chicago Tribune recently published an article with the results of a study they conducted which seem to indicate that Chicago police tend not to issue tickets in pedestrian and cyclist crash cases.   The Tribune study of Chicago police data shows that out of more than 4,000 crashes between 2018 and November 2023 only 26% resulted in a traffic ticket or more serious charges.  The Chicago personal injury lawyers of Zneimer & Zneimer, PC see many police reports and we observe that the police rarely actually witness the accident. When the police arrive on the scene of the crash, they interview the parties involved and the witnesses to determine what happened.  From experience, the lawyers of Zneimer & Zneimer PC have observed that when there is an independent witness who will assign fault to one party or the other, then the police will be more likely to issue a ticket. Usually if there is no independent witness and both parties are blaming each other, then the police officer will not give a ticket to either party. Of course the injured pedestrian or cyclist can hire a personal injury lawyer to make a claim against the at fault motorist for damages.  If the motorist’s insurance company denies the claim then the injured party’s lawyer can file a lawsuit and have the case decided by a jury.

The Chicago Department of Transportation has  accelerated improvements on the roadways in Chicago, adding more protected bike lanes, pedestrian islands and speed bumps.  However, infrastructure improvements can only go so far in protecting pedestrians and cyclists.  Chicago Department of Transportation’s data shows that most traffic deaths involve motorists who were driving recklessly.  Almost 60% of the traffic deaths involved speeding.  Astonishingly, more than half of the pedestrian deaths in Chicago were hit and run crashes with the motorist fleeing the scene of the crash.

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