1 Interior Newsletter Association for Injured Motorcyclists Interior BC Chapter P.O. Box 2152, Station R, Kelowna, BC, V1X4K6 Phone: Issue # 2013/2 Notice to all Members Theres a membership slip located in our newsletter or you can find it online at The time is near for some of you to renew your memberships; don t worry its easy. President Dave (Newfie) Stuckless Vice-President Berni Frampton Treasurer Wilma Vanlerberg Secretary Coralee Veness Directors Gina Coard Brian Popaden Area Representation Lumby Falkland Westwold Ernie Driscoll Dave Casavant Jamie Moffatt Volunteer Visitation Co-ordinator Lynne Holmes Grandforks Diane Muscroft
2 Newfie s Natter Well another riding season has arrived! I m hoping everyone has gotten some good rides in so far. Due to a busy work schedule, and getting everything ready for boogie bash I haven t gotten many miles on so far. We have been really busy getting everything organized for our upcoming 25 th anniversary bash, so expect the best and biggest yet! We have been getting all our volunteers organized, so if you have some time we are always looking for more volunteers, willing to put in 8 hours at some point of the weekend. If you Coralee she is in charge of the volunteers again this year. On another note if anyone knows or hears of a rider gone down don t hesitate to contact someone on the board as we may not know them ourselves and count on everyone to keep us informed, so we can step in and give help. Until the Aug long I hope you all ride safe and stop and say hi at the event that will rock the best this year! Keep the rubber down. Newfie HERE IF YOU NEED US CONTACT: ROB AND DONNA GEORGE PROVINCIAL CO-ORDINATORS CHRISTIAN MOTORCYCLISTS ASSOCIATION OF CANADA HOME: ROB CELL: DONNA CELL:
3 Board meetings Every 2nd Monday of the 6:30 pm Hosted by the Packing House Pub, 663 Finns Rd, Kelowna If you have any issues that you would like to be addressed, please submit them in writing to the secretary one week prior to the meeting, along with your member number and contact information or if you are a paid member you are welcome to join us at out meetings. May the wind be at your back and the road under your wheels! BOOGIE BASH SHOW & SHINE CATEGORIES SOFTAIL TRIKE BEST IN SHOW SWING ARM SPECIAL INTEREST PEOPLES CHOICE RIGID BEST PAINT CUSTOM JUDGES CHOICE BOOGIE BASH BIKE GAMES SLOW RACE-SOLO WEINIE BITE RACEROADKILL BALLOON RACE KEG PUSH DASH FOR CASH SLOW RACE-DOUBLE GET A GRIP GOOD SPORT JOUSTING BARREL RACE OVERALL RIDER PLANK RACE OUTHOUSE HAY STACK Up-coming Events
4 July 4th to July 6th: Horsethief Hideout 10 th Annual Memorial Rally Volunteers needed - July 6th: 3rd Annual Nanaimo Toy Run July 7th: 8th Annual Sasquatch Inn's M/C Show n' Shine For more info please call: July 18th- 21st: Summer Stomp & Burnout Sicamous, BC For more info please call: July 21st: 1 st Annual Canadian Women s Ride Day July 26th to July 28th: Ride into History MC Rally / Show n Shine For more info please call: August 2nd to August 5th: 25 th Annual Boogie Bash A.I.M Interior Chapter For more info please call: August 10th to August 11th: 5th Annual Cumberland Motorcycle Roundup For more info please call: August 11th: Annual A.I.M GF Strong Show n Shine For more info please August 17th: 4 th Annual Williams Lake toy Run August 18th: 2nd Annual Vintage In The Valley Motorcycle Show For more info please call: August 22nd to 25th: Sturgis North Merritt, BC September 7th: Vancouver Firefighters Bikers for Burns Ride For more info please call: September 14th & 15th: 29TH Annual Port Alberni Toy Run For more info please call: September 15th: 2nd Annual Salmon Run Motorcycle Rally For more info please October 6th: 35th Annual Vancouver Motorcycle Toy Run For more info please call: October 6th: Vancouver Toy Run / Pig Roast For more info please call: Gina s Giggles
5 The Happy Mailman It was George the Mailman's last day on the job after 35 years of carrying the mail through all kinds of weather to the same neighbourhood. When he arrived at the first house on his route, he was greeted by the whole family who congratulated him and sent him on his way with a tidy gift envelope. At the second house, they presented him with a box of fine cigars. The folks at the third house handed him a selection of terrific fishing lures. At the fourth house, he was met at the door by a strikingly beautiful woman in a revealing negligee. She took him by the hand, gently led him through the door, which she closed behind him, and took him up the stairs to the bedroom where she blew his mind with the most passionate love he had ever experienced. When he had enough, they went downstairs and she fixed him a giant breakfast: eggs, potatoes, ham, sausage, blueberry waffles, and freshsqueezed orange juice. When he was truly satisfied, she poured him a cup of steaming coffee. As she was pouring, he noticed a dollar bill sticking out from under the cup's bottom edge. "All this was just too wonderful for words," he said, "But what's the dollar for?" "Well," she said, "Last night, I told my husband that today would be your last day, and that we should do something special for you. I asked him what to give you. He said, 'Screw him. Give him a dollar.' By Sajidun Stopped For Speeding A rookie police officer pulled a biker over for speeding and had the following exchange: Officer: May I see your driver's license? Biker: I don't have one. I had it suspended when I got my 5th DUI. Officer: May I see the owner's card for this vehicle? Biker: It's not my bike. I stole it. Officer: The motorcycle is stolen? Biker: That's right. But come to think of it, I think I saw the owner's card in the tool bag when I was putting my gun in there. Officer: There's a gun in the tool bag? Biker: Yes sir. That's where I put it after I shot and killed the dude who owns this bike and stuffed his dope in the saddle bags. Officer: There's drugs in the saddle bags too?!?!? Biker: Yes, sir. Hearing this, the rookie immediately called his captain. The biker was quickly surrounded by police, and the captain approached the biker to handle the tense situation. Captain: Sir, can I see your license? Biker: Sure. Here it is. It was valid. Captain: Who's motorcycle is this? Biker: It's mine, officer. Here's the registration. Captain: Could you slowly open your tool bag so I can see if there's a gun in it? Biker: Yes, sir, but there's no gun in it. Sure enough, there was nothing in the tool bag. Captain: Would you mind opening your saddle bags? I was told you said there's drugs in them. Biker: No problem. The saddle bags were opened; no drugs. Captain: I don't understand it. The officer who stopped you said you told him you didn't have a license, stole this motorcycle, had a gun in the tool bag, and that there were drugs in the saddle bags. Biker: Yeah, I'll bet he told you I was speeding, too.
6 We are Committed to Helping Down Riders Most personal injury lawyers work on a contingency basis which means that you pay a percentage of your settlement amount as legal fees. The percentages vary and are based on the stage of the lawsuit at which your claim is settled. The maximum amount that a lawyer can charge is 33 1/3% of the amount of your settlement. A.I.M approved law-firms offer clients who are referred by A.I.M, a reduction of 5% in these percentages so that the maximum amount an A.I.M approved law-firm will charge you is 28 1/3%.
7 If any of you want to sell any spare parts and would like to have an ad put in the next newsletter feel free to contact me, Gina, at The Interior Chapter is pleased to advise the membership that after a hiatus of several years, Lynne Holmes has volunteered to assist our membership by assuming the role of Volunteer Visitation Co-coordinator. Lynne will be looking after downed riders throughout the Interior. If you are involved in an accident, or know of someone who is, please contact her directly at (h), (o) or She can also be reached by at Remember, if we don t know about accident victims we cannot assist them. Over the next few months Lynne will work on assembling a group to assist her throughout the Interior. If you would like to offer your services we would love to hear from you. Remember, AIM is about riders helping riders. Lynne Holmes, Volunteer Visitation Co-ordinator
8 The Heart Surgeon and the Motorcycle Mechanic A mechanic was removing a cylinder head from the motor of a motorcycle when he spotted a well-known heart surgeon in his shop. The surgeon was there waiting for the service manager to come take a look at his bike. The mechanic shouted across the garage, "Hey Doc, can I ask you a question?" The surgeon, a bit surprised, walked over to the mechanic working on the motorcycle. The mechanic straightened up, wiped his hands on a rag and asked, "So, Doc, look at this engine. I open its heart, take valves out, fix 'em, put 'em back in and when I finish, it works just like new. So how come I get such a small salary and you get the really big bucks, when you and I are doing basically the same work?" The surgeon paused, smiled and leaned over and whispered to the mechanic... "Try doing it with the engine running!" -Anita Imondi The Hawg Heaven Biker Joke Page
9 ICBC says I don t need a Lawyer So ICBC has said: you don t need a lawyer to help you with your personal injury claim. Initially it s not a hard sell for ICBC, is it? Society has done a pretty good job of grooming you to not trust lawyers. In fact, if you Google lawyer jokes you will get over 3 million hits and plenty are aimed at personal injury lawyers, some of which I ll admit are pretty funny. So, if you are like many people who haven t been through the process before, you have faith in what the adjuster is saying and you provide ICBC with a detailed statement about the accident and sign all the papers they put in front of you, giving ICBC access to all your medical records and employment records without second thoughts. However, as time goes by you may start to get frustrated. Perhaps they stop paying for your physiotherapy and massage treatments, even though you aren t getting better. They switch adjusters on you and the new one is maybe not as pleasant or cooperative. They tell you there are some things in your medical records from a few years back they don t like and now they want more information. They tell you they want you to see some doctor you ve never heard of. They haven t reimbursed you for some of the things they said they would. They make you an offer that seems like an insult but tells you that s the best you are going to get. They threaten to close your file. But remember, ICBC says you don t need a lawyer. The word need is really an interesting choice. The reality is you don t need a lawyer to pursue your personally injury claim any more than you need a hairdresser to cut your hair, a realtor to sell your house, a financial advisor to help you buy investments or a ski instructor to teach you how to ski. So do you need a lawyer? No, but in many cases, if not most, it is going to be in your best interest. Personal injury lawyers provide a service, just like the other service providers I have mentioned. For the same reasons you may hire a hairdresser to cut your hair, you hire a lawyer to help you with your claim. Sure you can cut your own hair (this might explain Donald Trump s haircut), but unless you have some expertise in that area, you would probably prefer the end result with the help of a professional than if you do it yourself. The same is true for personal injury claims. Of course there are some exceptions and I will touch on those at the end. In my opinion, a lawyer who specializes in personal injury claims provides you with an advantage that cannot be matched by pursuing a claim on your own. So, here are 12 reasons why I say you should hire a lawyer: 1. ICBC has a conflict of interest. If your accident involves another BC driver, ICBC acts as the insurer for the other driver as well as you. They cannot act in both of your best interests simultaneously; 2. a personal injury lawyer knows how to arrive at the real value of your claim, not what ICBC says it is and knows what evidence is required to best ensure that maximum value is recovered by you; 3. a personal injury lawyer knows how to deal with pre-existing injuries or illnesses and subsequent accidents that ICBC will often try to blame all your problems on and deny compensation as a result; 4. a personal injury lawyer will make efforts to preserve important evidence that you probably don t even know you need and ICBC is not likely going to tell you. For example, if liability is in issue (in other words ICBC is debating who is at fault) or it is a hit and run situation, a personal injury lawyer can track down witnesses and collect the necessary evidence to ensure the best possible outcome; 5. a personal injury lawyer will not settle your claim prematurely (which means they will wait until all important information about the full extent of your injuries are known); 6. a personal injury lawyer can explain the difference between the law and ICBC Policy. ICBC often acts as though their policy (such as not paying settlements on low velocity impact claims) is the law when it is not; 7. a personal injury lawyer knows the limitation period for your claim and can ensure that the limitation period does not get missed. An insurance adjuster is not required to tell you the law and therefore cannot be sued for failing to do so. On the other hand a lawyer is specifically hired for that purpose and can be sued if they make a mistake; 8. if your injuries are going to have a permanent impact on your life (in other words you aren t going to recover 100%), a personal injury lawyer can hire experts (often on an expedited basis), such as specialists, occupational therapists, and economists to help determine your diagnosis (if your family doctor hasn t quite figured out your
10 situation yet), make treatment recommendations, and properly figure out the value of your loss. Otherwise you will be stuck with whatever experts ICBC wants you to see and they aren t likely to find in your favour; 9. a personal injury lawyer will ensure that you are applying for any additional insurance coverage that may affect your claim (Part 7 Accident Benefits, EI, CPP, private insurance, etc.); 10. a personal injury lawyer will ensure that ICBC does not receive medical records or employment records that are not relevant to your claim. For more information on why giving a blanket authorization to insurance companies is a bad idea, see my previous article titled What s in Your Medical Records ; 11. a personal injury lawyer sees many client s going through the same issues you are and therefore can often identify areas where you may need help (i.e. psychological counselling) and can make recommendations for how to get that help if wanted; and 12. a personal injury lawyer can provide you with peace of mind that you have obtained the best result for your situation. Now, as I mentioned there are some exceptions to the rule. In my opinion if your claim meets all of the following criteria, you don t need a lawyer, although it s unlikely to hurt you if you would rather have the peace of mind of having one: 1. You have recovered from your accident in 6 months or less and you sustained no permanent impairments as a result of your injuries; 2. You sustained little or no wage loss as a result of the accident; 3. ICBC has accepted (in writing) that the other party is at fault for the accident; 4. Your accident is not classified as a low velocity impact claim (LVI); 5. You do not have any significant pre-existing or post-accident injuries or illnesses; 6. You have received a settlement offer from ICBC that you are content with; and 7. You are nowhere near the two year anniversary of your accident. If your claim meets all of the foregoing criteria, there is not much risk in you settling your claim with ICBC directly. Will you get a fair settlement? It s always hard to say, but injuries that heal in 6 months or less with no permanent impairment and little to no wage loss aren t typically life altering such that you will suffer any long term consequences by settling with ICBC at possibly less than fair value. That being said, most personal injury lawyers don t charge for an initial consult and therefore in my opinion, you have nothing to lose by meeting with a lawyer before deciding to settle your claim directly with ICBC. Now, I often hear that personal injury lawyers are all about the money, they re just looking out for their own best interests and they don t really care about their clients. As with every profession there are some bad eggs that perpetuate the stereotypes. So yes, sadly I m sure there are some lawyers that only care about the money just as there are some clients that fake or exaggerate their injuries for the sake of trying to get more money. The reality is that neither, in my experience are the norm and in fact I know many personal injury lawyers that will go above and beyond for their clients and in many cases losing money. If you want to know if the lawyer you are hiring actually cares about his or her clients, ask for references and meet with a few lawyers and judge for yourself. I expect you may be pleasantly surprised. *Important Note: The information contained in this column should not be treated by readers as legal advice and should not be relied on without detailed legal counsel being sought. Author: Keri Grenier p: e:
11 With your AIM membership card you will receive a 5% discount at Nixon Wenger law firm, AIM APPROVED
12 MEMBERSHIP APPLICATION Membership Application Name(s): Address: City: Prov: Postal Code: Phone: (Hm) (other) New: Renewal: Membership#: Please laminate cards at $1.00 each Yearly Dues Single $20.00 Couple $30.00 Laminating $1.00 per card Complete this application and mail with cheque or money order to: PO Box 2152, Station R Kelowna BC V1X 4K6 (Prices subject to change)
13 Watch the Signs A police officer pulled over two nuns riding on a motorcycle, and said to the rider, Ma am, you re driving much too slowly, could you please drive faster? And the nuns says, Oh, I saw the sign with the 21 and assumed the speed limit was 21km/h. The officer explains: No Ma am, the speed limit is 80. The highway number is Interstate 21. Then the police officer looks at the passenger and sees the other nun shaking like a leaf. Excuse me sister, but what s wrong with your passenger? Oh, that s probably because we just got off Highway 205. RIDERS INFO These pubs I m listing our some of the favourite s given to me by riders who wanted to help with my newsletter. Feel free to ask these pubs if they will offer a discount if you produce your membership card you just never know.. Riverfront Pub- Grinrod The Hideaway Pub- Salmon arm Edgewater Pub- Peachland Squires Four- Vernon The Grizzly Pub- Revelstoke Branding Iron Pub- Armstrong Fortunes Landing- Enderby Sage Pub- Oosyoos Log Cabin Pub- Spencer s Pridge The Leland pub- Nakusp Ok Falls Hotel- Okanagan Falls Keremeos Motor Hotel Pub- Keremeos Rock Creek Pub- Rock Creek Woody s Pub Winfield The Burner- Revelstoke The Roadhouse- Sicamous The Brewhouse- Oosyoos Turtle Bay- Winfield Packing House - Winfield Located on the main street in beautiful Falkland BC, stop in and show your membership card and receive a bonus of 5% discount on great food and beer. Located on the corner of 3oth street and 30ave. in Vernon BC is offering daily lunch and beer specials. FACT As a whole, the biking community donates more to the needy than any law enforcement agency in our country. No matter age or illness, bikers make a difference. Bikers pull together when others refuse. We do it for our own as well as for others we do not know. Non-bikers, support bike events near you. Look twice save a life
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Table of Contents Introduction 3 Why Not Settle With the Insurance Companies 4 What to do First 7 Hiring a Personal Injury Lawyer 11 How Much is My Claim Worth? 14 What if I have a Pre-Existing Condition?
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