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WHAT TO DO IF YOU GET IN AN ACCIDENT by Joe Higuera
Unfortunately living in such a high density location as Southern California there is a definite risk of getting hit by a car when you are out training. It is important to take several precautions and follow these crtical steps if you are involved in an accident.
Here is a list of suggested things to do from Joe Higuera, a Multisports Orange County member and Personal Injury Lawyer.
THINGS TO DO BEFORE YOU GET IN AN ACCIDENT:
1) Check your current insurance coverage. On your automobile insurance policy, increase your uninsured motorist limits to $250,000 per person and $500,000 per accident. You will be shocked by how little it costs to increase your policy to the maximum amount that may be purchased. You may be shocked at how little coverage you have when you call your agent and ask them, "what are my uninsured motorist limits?"
Most people have a $15,000 per person, $30,000 per accident uninsured motorist policy. If you are struck by an automoble while riding your bike, your automobile insurance policy covers you up to your uninusred motorist limits if that driver is uninsured or under-insured. Yes, that is correct, you are covered when riding your bike, as the uninsured motorist policy typically reads "coverage up to the applicable limits for an incident arising out of the operation of a motor vehicle." If you have $250,000 in coverage, you will receive that amount, assuming your case is valued at or above that amount. If you do not have that coverage, you will only receive the policy limits of the person that hit you, which can be as little as the state minimum required $15,000! This assumes the person has little or no assets that you would be able to collect after obtaining a costly judgment. You may also receive the amount of your uninsured motorist policy; however, if it is only $15,000 like many policies, that is all you will receive. You insurance company is also entitled to a credit for the payment of the underlying policy, rendering your uninsured motorist policy useless UNLESS it exceeds the amount of the underlying policy for the driver that hit you.
Many drivers have only the state minimum required $15,000 bodily injury liability policy. If you are seriously injured, you are at serious risk of only being able to obtain $15,000 in compensation for medical bills, pain and suffering and loss of earnings, combined! There is a very high probability that you could be hit by someone with a small policy, as most people do not have assets to protect and buy the cheapest available policy. You can protect yourself by increasing your uninsured motorist limits on your own policy to $250,000 per person, $500,000 per accident. I am insured with State Farm, who I believe is the best auto insurance carrier. I would be happy to provide the contact information for my insurance agent upon request.
2) Wear identification with emergency contact info and any special needs or alergies. Road ID (www.roadID.com) has an interactive one that can be updated online if you move or your emergency contact info changes. A quick and dirty option is to photo copy your drivers licence and write the name of 2-3 ememrgency contacts and phone numbers on the back and keep it in your seat pack.
3) Always ride with at least one friend, if possible. They are your potential witness and the person that will make sure the driver does not flee the scene without being identified. Discuss with your riding partner before your ride what to do if one of you is hit.THINGS TO DO IF YOU GET IN AN ACCIDENT:
1) Always carry a cell phone in case of emergency.
2) Immediately call 911 and provide your location the moment you can, and indicate it is an injury accident. If you can not call, ask anyone you can to call 911 and provide your location immediately. Do not let anyone talk you out of making this call.
3) Immediately obtain the license plate number of the vehicle that struck you if possible, or ask a fellow rider or witness (if any) to obtain the license plate number immediately, even if you have to yell it out. Be prepared for the vehicle to flee the scene. It is essential that you identify the vehicle if this happens. Also make a mental note of the make, model and color of the vehicle, as well as a physical description of the driver if you can see them.
4) Try to take photos of the scene including skid marks, damage to vehicles or other property. The licence plate and face of the person in the other vehicle. If you are with someone how is struck by a car it would be very helpful to your friend if you do this. Most cell phones now have a camera on them
5) When the police arrive, INSIST that a police report be taken. This is very important, as the police will take statements from witnesses and the culpable party before they leave the scene and have the opportunity to reflect and change their story later.
6) If possible, ask any witnesss, such as anyone who stops at the scene, to provide you with their contact information, such as a business card, name, address and telephone number. iPhones have a recorder feature on them so you can get the info without having to write anything down. If your attorney is unable to contact them or find them later on, it could make all the difference in proving the motorist was at fault for the accident. Also provide your name and contact information to them, and ask them to call you later. This is an added precaution in case you are unable to reach them later on.
7) DO NOT give a statement to any insurance company representative if you are contacted at the scene by one, which is unlikely, but possible. You will almost certaintly be contacted by an insurance company rep after the accident. Do NOT provide a recorded statement of any kind. You are NOT required to provide one, and they are attempting to collect as much information as possible, hoping you will "slip up" and say something that may hurt your case. Do NOT sign anything, such as an authorization or release that comes in the mail from any insurance company, without consulting with an attorney FIRST.
If you have any questions reguarding an accident my contact information is:
Joe Higuera
Higuera Law Offices
9841 Irvine Center Dr, Suite #140
Irvine, CA 92618
Phone: 714-LAWYERS (714-529-9377)
Cell: 714-803-1919
COACH MIKE ON CANADIAN TV OLYMPIC PROMO
VANCOUVER, BC - Coach Mike traveled to Vancouver Canada to watch the 2010 Winter Olympics. While there he got the chance to play in a street hockey game of Canadians vs. Americans. Check the clip out here:
http://www.youtube.com/watch?v=IM3qjHZkYNk
2012 NOVA/MULTISPORTS OC EVENTS CALENDAR (All events)
2/7 Surf City Half Marathon. http://www.runsurfcity.com/
2/13 Tour De Palm Springs Century. http://www.tourdepalmsprings.com
2/14 Palm Springs Half Marathon & 5K. http://www.kleinclarksports.com/
2/27 Race on the Base 5K, 10K, Kids Run, Triathlon http://www.renegaderaceseries.com/index.php?option=com_eventlist&view=even tlist&Itemid=146
3/08 Desert Triathlon - Sprint or Olympic. http://www.kleinclarksports.com/
3/20 Lake Havasu Triathlon. http://www.tucsonracing.com/LHTinf.htm
3/27 Ironman CA 70.3. http://www.ironmancalifornia.com
4/10 Renegade Off-Road Tri at San Dimas http://www.renegaderaceseries.com/index.php?option=com_eventlist&view=even tlist&Itemid=146
4/18 Coaster Run at Knotts http://www.renegaderaceseries.com/index.php?option=com_eventlist&view=even tlist&Itemid=146
4/19 Boston Marathon. http://www.bostonmarathon.com/
4/24 UCI Meet www.spma.net
4/30-5/1 Wildflower Weekend. http://www.tricalifornia.com/
5/1 Ironman, St George http://ironman.com
5/16 Encinitas Sprint Triathlon. http://www.encinitasrace.com/triathlon/
5/22 OC Duathlon www.octri.com
6/13 Redondo Beach Tri. http://www.rbtriathlon.com/
6/27 San Diego International Triathlon
6/27 Breath of Life - Ventura, CA. http://www.triforlife.com
7/4 Laguna Niguel 4th of July Run in the park 5k/10k.
7/12 Carlsbad Sprint Triathlon. http://www.ci.carlsbad.ca.us/recreation/triathl1.html
7/18 Strawberry Fields Triathlon http://www.strawberryfieldstri.com/
7/19 San Clemente Ocean Festival. http://www.oceanfestival.org/
7/19 Vineman 70.3. http://www.vineman.com/
7/26 Solano Beach Sprint Tri & Duathlon. http://www.kozenterprises.com/
7/15-25 Tour de France Bike Tour?
7/30-8/7 FINA Masters World Championships - Goteborg, Sweden http://www.2010finamasters.org/
8/7 Camp Pendleton Sprint Tri http://www.camppendletonraces.com/
8/9-12 USMS Long Course Nationals - Puerto Rico www.usms.org
8/15 USAT Aquathlon Nationals, San Ramon, CA http://www.active.com/triathlon/san-ramon-ca/san-ramon-aquathlon-2010
8/16 Lake Arrowhead Sprint Triathlon. http://www.active.com
9/11-12 Malibu Nautica Triathlons (Olympic & Sprint). http://www.nauticamalibutri.com
9/13-14 ITU World Championships (Sprint & Olympic) Budapest, HUN www.triathlon.org
9/19 Pacific Coast Sprint Triathlon. http://www.pacificcoasttriathlon.com
9/19 Long Beach Sprint Triathlon. http://www.pacificsportsllc.com
9/25 Xterra USA Nationals - Ogden UT. http://www.xterraplanet.com
9/25 USAT Olympic Distance Nationals - Tuscaloosa, AL http://www.usatriathlon.org/events/47
9/26 USAT Sprint Distance Nationals - Tuscaloosa, AL http://www.usatriathlon.org/events/47
10/1-3 Tinley's Dirty Adventures. http://www.tricalifornia.com
10/09 Ironman World Championships - HI. http://ironman.com
10/10 Orange County Olympic Triathlon. http://www.octri.com
10/10 Hermosa Beach Sprint Triathlon. http://www.mesp.com/datb/
10/23 Newport Beach Triathlon. http://www.pacificsportsllc.com
10/24 XTERRA World Championships - Maui. http://www.xterraplanet.com
11/6 Bluewater Resort Triathlon, Parker AZ
11/7 Muddy Buddy - San Dimas. http://www.muddybuddy.com
11/7 Dino Dash 5k - Tustin. http://www.tpsf.net/dash.htm
11/19 Ironman AZ http://ironman.com
11/25 Dana Point Turkey Trot 5k/10k. http://www.turkeytrot.com
11/30 Turkey Tri - San Dimas. http://www.make-u-fit.net/events.asp
12/13 XTERRA Crystal Cove Trail Run. http://www.xterraplanet.com/
12/13 Tinsel Triathlon, Hemet CA
12/13 Make Room for Santa 5 & 10K. http://www.renegaderaceseries.com/index.php?option
2010 NOVA/MULTISPORTS OC EVENTS CALENDAR (All events)
1/16 Stage Coach Century - San Diego. http://www.eteamz.com/admin2/news/
1/23 Las Vegas Swim Meet http://www.eteamz.com/admin2/news/
1/30 Pose Running Clinic in Santa Barbara
2/6 Rose Bowl Meet http://www.eteamz.com/admin2/news/
2/7 Surf City Half Marathon. http://www.eteamz.com/admin2/news/
2/12-21 Winter Olympics in Vancouver, CAN
2/13 Tour De Palm Springs Century. http://www.eteamz.com/admin2/news/
2/14 Palm Springs Half Marathon & 5K. http://www.eteamz.com/admin2/news/
2/27 Race on the Base 5K, 10K, Kids Run, Triathlon http://www.eteamz.com/admin2/news/
2/28 Pose Running Clinic at CrossFit South County
3/08 Desert Triathlon - Sprint or Olympic. http://www.eteamz.com/admin2/news/
3/11-14 Solvang Bike Camp. 3/13 Solvang Century. http://www.eteamz.com/admin2/news/
3/20 Lake Havasu Triathlon. http://www.eteamz.com/admin2/news/
3/27 Ironman CA 70.3. http://www.eteamz.com/admin2/news/
4/10 Renegade Off-Road Tri at San Dimas http://www.eteamz.com/admin2/news/
4/11 Newport Beach Triathlon. http://www.eteamz.com/admin2/news/
4/17 UCLA Meet http://www.eteamz.com/admin2/news/
4/18 Coaster Run at Knotts http://www.eteamz.com/admin2/news/
4/19 Boston Marathon. http://www.eteamz.com/admin2/news/
4/24 UCI Meet http://www.eteamz.com/admin2/news/
4/30-5/1 Wildflower Weekend. http://www.eteamz.com/admin2/news/
5/1 Ironman, St George http://www.eteamz.com/admin2/news/
5/7-9 Southwest Zone Championships - Mission Viejo http://www.eteamz.com/admin2/news/
5/16 Encinitas Sprint Triathlon. http://www.eteamz.com/admin2/news/
5/20-23 USMS Short Course Nationals - Gerogia Tech, Atlanta, CA http://www.eteamz.com/admin2/news/
5/22 OC Duathlon http://www.eteamz.com/admin2/news/
6/6 Playa Del Run Aquathlon - Huntington Beach. http://www.eteamz.com/admin2/news/
6/13 Redondo Beach Tri. http://www.eteamz.com/admin2/news/
6/27 San Diego International Triathlon
6/27 Breath of Life - Ventura, CA. http://www.eteamz.com/admin2/news/
7/4 Laguna Niguel 4th of July Run in the park 5k/10k.
7/12 Carlsbad Sprint Triathlon. http://www.eteamz.com/admin2/news/
7/18 Strawberry Fields Triathlon http://www.eteamz.com/admin2/news/
7/19 San Clemente Ocean Festival. http://www.eteamz.com/admin2/news/
7/19 Vineman 70.3. http://www.eteamz.com/admin2/news/
7/26 Solano Beach Sprint Tri & Duathlon. http://www.eteamz.com/admin2/news/
7/15-25 Tour de France Bike Tour?
7/30-8/7 FINA Masters World Championships - Goteborg, Sweden http://www.eteamz.com/admin2/news/
8/7 Camp Pendleton Sprint Tri http://www.eteamz.com/admin2/news/
8/9-12 USMS Long Course Nationals - Puerto Rico http://www.eteamz.com/admin2/news/
8/15 USAT Aquathlon Nationals, San Ramon, CA http://www.active.com/triathlon/san-ramon-ca/san-ramon-aquathlon-2010
8/16 Lake Arrowhead Sprint Triathlon. http://www.eteamz.com/admin2/news/
9/11-12 Malibu Nautica Triathlons (Olympic & Sprint). http://www.nauticamalibutri.com
9/13-14 ITU World Championships (Sprint & Olympic) Budapest, HUN www.triathlon.org
9/19 Pacific Coast Sprint Triathlon. http://www.eteamz.com/admin2/news/
9/19 Long Beach Sprint Triathlon. http://www.eteamz.com/admin2/news/
9/25 Xterra USA Nationals - Ogden UT. http://www.eteamz.com/admin2/news/
9/25 USAT Olympic Distance Nationals - Tuscaloosa, AL http://www.usatriathlon.org/events/47
9/26 USAT Sprint Distance Nationals - Tuscaloosa, AL http://www.usatriathlon.org/events/47
10/1-3 Tinley's Dirty Adventures. http://www.eteamz.com/admin2/news/
10/09 Ironman World Championships - HI. http://www.eteamz.com/admin2/news/
10/10 Orange County Olympic Triathlon. http://www.octri.com
10/10 Hermosa Beach Sprint Triathlon. http://www.eteamz.com/admin2/news/
10/24 XTERRA World Championships - Maui. http://www.eteamz.com/admin2/news/
11/6 Bluewater Resort Triathlon, Parker AZ
11/7 Muddy Buddy - San Dimas. http://www.eteamz.com/admin2/news/
11/7 Dino Dash 5k - Tustin. http://www.eteamz.com/admin2/news/
11/19 Ironman AZ http://www.eteamz.com/admin2/news/
11/25 Dana Point Turkey Trot 5k/10k. http://www.eteamz.com/admin2/news/
11/30 Turkey Tri - San Dimas. http://www.eteamz.com/admin2/news/
12/13 XTERRA Crystal Cove Trail Run. http://www.eteamz.com/admin2/news/
12/13 Tinsel Triathlon, Hemet CA
12/13 Make Room for Santa 5 & 10K. http://www.eteamz.com/admin2/news/
2012 YOUTH/JUNIOR EVENTS CALENDAR
2/27 Race on the Base 5K, 10K, Kids Run, Triathlon http://www.renegaderaceseries.com/index.php?option=com_eventlist&view=even tlist&Itemid=146
3/08 Desert Triathlon - Sprint or Olympic. http://www.kleinclarksports.com/
4/10 Renegade Off-Road Tri at San Dimas http://www.renegaderaceseries.com/index.php?option=com_eventlist&view=even tlist&Itemid=146
4/11 Newport Beach Triathlon. http://www.pacificsportsllc.com
4/18 Coaster Run at Knotts http://www.renegaderaceseries.com/index.php?option=com_eventlist&view=even tlist&Itemid=146
4/30-5/1 Wildflower Mountain Bike Sprint Triathlon. http://www.tricalifornia.com/
5/16 Encinitas Sprint Triathlon. http://www.encinitasrace.com/triathlon/
6/6 Playa Del Run Aquathlon - Huntington Beach. http://www.playadelrun.com
6/13 Redondo Beach Tri. http://www.rbtriathlon.com/
6/27 Breath of Life - Ventura, CA. http://www.triforlife.com
7/4 Laguna Niguel 4th of July Run in the park 5k/10k.
7/12 Carlsbad Sprint Triathlon. http://www.ci.carlsbad.ca.us/recreation/triathl1.html
7/18 Strawberry Fields Triathlon http://www.strawberryfieldstri.com/
7/19 San Clemente Ocean Festival. http://www.oceanfestival.org/
7/26 Solano Beach Sprint Tri & Duathlon. http://www.kozenterprises.com/
8/7 Camp Pendleton Sprint Tri http://www.camppendletonraces.com/
9/12 Pacific Coast Sprint Triathlon. http://www.pacificcoasttriathlon.com
9/19 Long Beach Sprint Triathlon. http://www.pacificsportsllc.com
10/10 Hermosa Beach Sprint Triathlon. http://www.mesp.com/datb/
11/7 Muddy Buddy - San Dimas. http://www.muddybuddy.com
11/7 Dino Dash 5k - Tustin. http://www.tpsf.net/dash.htm
11/25 Dana Point Turkey Trot 5k/10k. http://www.turkeytrot.com
11/30 Turkey Tri - San Dimas. http://www.make-u-fit.net/events.asp
12/13 Tinsel Triathlon, Hemet CA
12/13 Make Room for Santa 5 & 10K. http://www.make-u-fit.net/events.asp
USAT Southwest Region Races
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The Southwest Region is committed to the development of future triathletes. Led by the efforts of Regional Athlete Development Coordinator, Sharon Osgood, the 2010 USAT Southwest Youth/Junior Development Series offers an expanded race schedule and updated rules for rankings. This year's series is comprised of eleven events including the double points Santa Cruz Sprint triathlon, the series championship. The goal of the USAT Southwest Youth/Junior Development Race Series is to provide young triathletes the opportunity to gain experience in the traditional non-drafting triathlon format. Youth (ages 13-15) and junior (16-19) athletes compete with their peers and can see how they measure up in the development series rankings. Rankings leaders at the conclusion of the 2009 series were: Caitlyn Kellogg - Female Youth 13-15 Claire Moty and Caitlin Scheder-Bieschin (Tie) - Female Junior 16-19 Micheal Belcher and Austin Acosta (Tie) - Male Youth 13-15 Stephen Kuluris - Male Junior 16-19 For more information about the series and rankings, please visit: http://www.usat-southwest.org
2010 Youth/Junior Development Race Series Schedule |
Steven Owen is the Running Program Director for Multisports Orange County. He has been competing in and winning age group division triathlons and road races over the past decade.Steven is also an associate with Runners High a specialty run store in Irvine. He is a POSE Method running coach for South Orange County, California. At the Store Steven helps members of the running community by fitting them in the proper running shoes. "As I analyze runners and put them in the proper shoe, I see a real need to explain the rudimentary approach to good posture and running mechanics. The Pose method of running helps me explain the necessity of paying attention to your body mechanics in every day running and walking." At the store Steven offers a video tape analysis of the runners gait to help fit them in the proper shoe. "Viewing the tape both in real time and frame by frame makes it much easier to show the customer their specific biomechanical needs. At the same time this analysis gives us the opportunity to suggest ways in which the customer might improve their pose in running." Steven also sets the training program and schedule for our running groups including all trail running opportunities, races, and more. If you would like to read more about Steven or POSE running please use the following web link:Posetech.com
Steven has been a part of the running community since the 1990’s and more recently a part of the triathlon world. When he started training as a triathlete he had no idea that his training and racing would advance to such a high level. Prior to his experience at Fleet Feet Laguna Niguel he was a casual, 25 mile a week fitness runner. Since that time, he has literally leaped into the world of triathlon training and racing head first. An age group winner, he has worked his way up the ladder including a trip to Australia and the ITU Worlds Sprint Distance Championships this year. In conjunction with his triathlon training he also enters many of the local road races andMultisportsOC team events. "I found that as I increased my time in training I would have to train smarter to avoid injury. The Pose method of running has not only kept me running, but also brought my race times down substantially."
As an associate at Runners High, a run specialty store, Steven helps members of the running and tri community by fitting them in the proper running shoes and attire. "As I analysis runners and put them in the proper shoe, I see a real need to explain the rudimentary approach to good posture and running mechanics. The POSE method of running helps me explain the necessity of paying attention to your body mechanics in every day running and walking."
At the store Steven offers a video tape analysis of the runners gait to help fit them in the proper shoe. At the same time this analysis gives us the opportunity to suggest ways that the customer might improve their pose in running." If you would like to read more about Steven or investigate the POSE running method please use the following web link:Posetech.com.
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