1. Do not sign the back of your credit cards. Instead, put ‘PHOTO ID REQUIRED.’

2. When you are writing checks to pay on your credit card accounts, DO NOT put the complete account number on the ‘For’ line. Instead, just put the last four numbers. The credit card companyknows the rest of the number, and anyone who might be handling your check as it passes through all the check processing channels won’t have access to it.

3. Put your work phone # on your checks instead of your home phone. If you have a PO Box use that instead of your home address. If you do not have a PO Box, use your work address. Never have your SS# printed on your checks. (DUH!) You can add it if it is necessary. But if you have It printed, anyone can get it.

4. Place the contents of your wallet on a photocopy machine. Do both sides of each license, credit card, etc. You will know what you had in your wallet and all of the account numbers and phone numbers to call and cancel…… Keep the photocopy in a safe place. I also carry a photocopy of my passport when I travel either here or abroad. We’ve all heard horror stories about fraud that’s committed on us in stealing a Name, address, Social Security number, credit cards.

But here’s some critical information to limit the damage in case this happens to you or someone you know:

5. We have been told we should cancel our credit cards immediately. But the key is having the toll free numbers and your card numbers handy so you know whom to call. Keep those where you can find them.

6. File a police report immediately in the jurisdiction where your credit cards, etc., were stolen. This proves to credit providers you were diligent, and this is a first step towardan investigation (if there ever is one).

But here’s what is perhaps most important of all: (I never even thought to do this.)

7. Call the 3 national credit reporting organizations immediately to place a fraud alert on your name and also call the Social Security fraudline number. I had never heard of doing that until advised by a bank that called to tell me an application for credit was made over the internet in my name.

The alert means any company that checks your credit knows your information was stolen, and they have to contact you by phone toauthorize new credit.

Now, here are the numbers you always need to contact about your wallet, if it has been stolen:

• 1) Equifax: 1-800-525-6285 1-800-525-6285
• 2) Experian(formerly TRW): 1-888-397-3742 1-888-397-3742
• 3) Trans Union: 1-800-680 7289 1-800-680 7289
• 4) Social Security Administration(fraud line): 1-800-269-0271 1-800-269-0271

• In 2006, 4,810 motorcyclists died and approximately 88,000 were injured in highway crashes in the United States.
• Per mile traveled in 2006, a motorcyclist is approximately 37 times more likely to die in a crash than someone riding in a passenger car.
• Head injury is a leading cause of death in motorcycle crashes.
• An unhelmeted motorcyclist is 40 percent more likely to suffer a fatal head injury and 15 percent more likely to suffer a nonfatal injury than a helmeted motorcyclist when involved in a crash.
• NHTSA estimates that motorcycle helmets reduce the likelihood of a crash fatality by 37 percent.
• A Crash Outcome Data Evaluation System (CODES) study found that motorcycle helmets are 67 percent effective in preventing brain injuries and that unhelmeted motorcyclists involved in crashes were three times more likely to suffer brain injuries than those wearing helmets.
• NHTSA estimates that from 1984 through 2006 helmets saved the lives of 19,230 motorcyclists. If all motorcycle operators and passengers had worn helmets during that period, NHTSA estimates that 12,320 additional lives would have been saved.
• A study conducted at the University of Southern California, which analyzed 3,600 traffic crash reports covering motorcycle crashes, concluded that wearing helmets was the single most important factor in surviving motorcycle crashes.
• A 1994 study by the National Public Services Research Institute concluded that wearing a motorcycle helmet does not restrict a rider’s ability to hear auditory signals or see a vehicle in an adjacent lane.
• All motorcycle helmets sold in the United States are required to meet Federal Motor Vehicle Safety Standard 218, which establishes the minimum level of protection a helmet must afford each helmet user.
• Helmet use laws governing all motorcycle riders (universal helmet laws) significantly increase helmet use and are easily enforced because of riders’ high visibility.
• Repeal of State universal helmet use laws has resulted in fewer riders wearing helmets. According to the National Occupant Protection Use Survey, from 2000 to 2006, helmet use dropped from 71 percent to 51 percent nationally and remained at 51 percent in 2006.
• Data on crashes in States where only minors are required to wear helmets show that fewer than 40 percent of the fatally-injured minors wear helmets even though the law requires them to do so. Helmet laws that govern only minors are difficult to enforce.
• According to NHTSA’s 2000 Motor Vehicle Occupant Safety Survey, public support for motorcycle helmet use laws in the United States is strong, with four out of five people (81%) 16 and older supporting such laws. This support has changed little from earlier occupant protection surveys in 1998 (80%) and in 1994 (82%). Support was more prevalent among women (88%) than men (72%), and among non-motorcyclists (83%) than those who rode motorcycles (51%), with this gap seeming to have widened in the past two years. Support was also higher in States requiring all riders to wear helmets (84%), compared with States with lesser requirements (75%) or no requirement (79%).
• Reported helmet use rates of fatally-injured motorcyclists in 2006 were 59 percent for operators and 45 percent for passengers.

When Florida repealed its universal rider motorcycle helmet law in 2002, there were 40 percent more motorcyclists admitted to hospitals for treatment in the 30 months immediately following the helmet law change compared to the 30 months just before the law change (4,986 versus 3,567). Deaths increased by 24 percent above what was expected from the increased registrations after repeal of the all-rider motorcycle helmet law, beginning before the law was in effect in July. Fatalities in Florida per 10,000 registered motorcycles increased 21 percent compared to 13 percent nationally for the two years before and after the law change—75 percent higher than the national rate. Unhelmeted deaths of riders under the age of 21 increased 188 percent, even though the law still applied to them. Costs to treat motorcycle injures with head injury as the primary diagnosis more than doubled to $44 million (adjusted for inflation). Only one in four of injured motorcyclists who were hospitalized had costs less than $10,000, the required level of medical insurance to ride without a helmet. The hospital discharge data indicate that in the post-law change period, approximately 63 percent of admitted motorcyclists were covered by commercial insurance ($31 million), 16 percent self-paid because they were under-insured or uninsured ($8 million), while the remaining 21 percent had costs ($10.5 million) billed to charitable and public sources (e.g., Medicaid).

Motorcycle accident law is complicated and should not be handled without first speaking with a qualified Sacramento motorcycle attorney. If you  or a loved one has been injured in a motorcycle accident call Sacramento motorcycle lawyer at Travis G. Black & Associates, Inc. toll free: (888) 744-3575

No Fee Until We Win!
Free Injury Case Consultation
Home, Hospital or Office Visits

Toll Free: (888) 744-3575

Travis G. Black & Associates, Inc. provides legal representation all over Northern California. We can meet with you at anyone of our convenient offices located in Sacramento, Elk Grove, Roseville, Gold River and Cameron Park.

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Motor Vehicle Accidents

The most common form of tort claim arises from automobile collisions. Those tort claims normally involve some careless or reckless act by one driver resulting in a collision with another motor vehicle. Whether the operation of a motor vehicle involves actual negligence depends upon how the drive’s conduct is viewed in the light of the Rules of the Road as set forth either in your state code or local code governing traffic regulations. The rules of the road or traffic regulations establish the standards for operation of motor vehicles. A violation of these rules or regulations typically constitutes negligence.

Motor vehicle accidents involving common carriers (buses, taxis, trains, and planes) may have a set of rules that are slightly different than what would apply to an automobile. Common carriers are frequently held to a very high degree of care. As such, if there is even slight negligence on their part that contributes to the injury of one of their passengers, then the common carrier may be liable.

Auto accident tort law is complicated and should not be handled without first speaking with a qualified Sacramento auto accident attorney. Call Sacramento car accident lawyer at Travis G. Black & Associates, Inc. toll free: (888) 744-3575

No Fee Until We Win!
Free Injury Case Consultation
Home, Hospital or Office Visits

Toll Free: (888) 744-3575

Travis G. Black & Associates, Inc. provides legal representation all over Northern California. We can meet with you at anyone of our convenient offices located in Sacramento, Elk Grove, Roseville, Gold River and Cameron Park.

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Nonetheless, other motorists are still responsible for conducting themselves with care on the roads, and for watching out for motorcyclists. If they fail to do so, and you can sustain motorcycle accident-related injuries.

If you have been involved in a motorcycle accident in California, you may need an experienced Sacramento motorcycle accident attorney on your side. Please contact Travis G. Black & Associates today for your free motorcycle injury accident consultation with an experienced motorcycle accident attorney.

Every case is important to us and we prepare them all for trial. Our obligation to you is to get you everything you deserve. We Give Results, Not Excuses.

No Fee Until We Win!
Free Injury Case Consultation
Home, Hospital or Office Visits

Toll Free: (888) 744-3575

Travis G. Black & Associates, Inc. provides legal representation all over Northern California. We can meet with you at anyone of our convenient offices located in Sacramento, Elk Grove, Roseville, Gold River and Cameron Park.

No Fee Until We Win!
Free Injury Case Consultation
Home, Hospital or Office Visits

Toll Free: (888) 744-3575

Travis G. Black & Associates, Inc. provides legal representation all over Northern California. We can meet with you at anyone of our convenient offices located in Sacramento, Elk Grove, Roseville, Gold River and Cameron Park.