A dirt bike crash can change a day on the trails near Saint Charles into months of recovery, medical bills, and insurance headaches. If you were hurt on rural roads, farm lanes, or recreational paths around Winona County, you deserve clear guidance and steady advocacy. Metro Law Offices helps riders and families understand their options under Minnesota law, from documenting injuries to pursuing fair compensation. We handle communication with insurers, gather evidence, and work to position your claim for the best possible outcome. Call 651-615-3322 to discuss your situation. There is no pressure, just practical direction tailored to Saint Charles riders and their loved ones.
Off-road accidents present unique issues compared to typical street collisions. Visibility, terrain, trail rules, and equipment maintenance can all affect liability and insurance coverage. Our team focuses on building a full picture of what happened and how your injuries have changed daily life, work, and riding. Whether your crash involved another rider, a vehicle, or a defective part, we help you navigate medical bills, lost wages, and property damage claims. We coordinate with providers so treatment continues while your case progresses. If you live or ride in Saint Charles, we bring Minnesota injury law, local insight, and responsive service together to support your recovery.
After a dirt bike accident, early decisions can shape the entire claim. Prompt legal help ensures evidence is preserved, medical records are complete, and deadlines are met under Minnesota law. Insurers move quickly to limit payouts, often seeking statements that minimize injuries or shift responsibility. We step in to manage communications, calculate all categories of damages, and identify every potential source of recovery, including UM and UIM coverage. A guided approach helps reduce stress, avoids avoidable mistakes, and keeps your focus on healing. Our goal is to present a clear, well-documented claim grounded in facts, not assumptions or incomplete information.
Metro Law Offices is a Minnesota personal injury law firm serving riders and families throughout Winona County and Saint Charles. We handle off-road and motorcycle-related claims with a practical, evidence-driven approach. From first call to resolution, we focus on communication, transparency, and thoughtful strategy. We understand how local terrain, weather, and trail conditions can affect fault and damages. Our firm prepares each case as if it may be presented in court, while always exploring opportunities for early, fair settlement. When you call 651-615-3322, you speak with a team that values your time, your recovery, and your right to be heard.
Dirt bike claims often involve a blend of road rules, recreational use guidelines, and insurance contract provisions. Minnesota follows a comparative fault system, which means your compensation can be reduced if you share some responsibility, but you can still recover if your share is not greater than the other parties combined. Many off-road crashes hinge on visibility, speed relative to conditions, signage, and maintenance of the riding area. Claims also draw on medical proof showing how the incident caused your injuries and how those injuries affect work, chores, sleep, and hobbies. Thorough documentation is essential to present a complete, persuasive claim.
Insurance coverage can be complicated in dirt bike cases. Off-road vehicles may be covered differently than street motorcycles, and some policies exclude certain terrains or events. At the same time, your own auto policy may provide UM or UIM benefits if another motorist caused the harm, even when the crash started off the pavement. We review all available policies, endorsements, and medical payments provisions to identify potential recovery paths. Properly valuing a claim means considering future treatment, therapy, and the long-term impact on riding and daily life. We work to align your medical care and legal strategy from the start.
A dirt bike accident claim is a request for compensation based on injuries and losses caused by another party’s negligence, a dangerous condition, or a defective product. The claim typically seeks payment for medical expenses, lost wages, pain and suffering, and property damage. It can involve negotiations with multiple insurers, including your own carrier. In Minnesota, liability is determined by comparing each party’s conduct and the conditions at the time of the crash. Strong claims present a clear causal link between the accident and documented injuries. They also detail how the injuries limit work, family responsibilities, and recreational activities.
Successful cases are built on timely medical care, accurate reporting, and organized evidence. We gather photos, video, GPS data, maintenance records, and witness statements to reconstruct what happened. Medical records and provider notes show the nature of injuries, recommended treatment, and expected recovery. We identify all potentially responsible parties, from other riders to landowners and manufacturers. Insurance claims are prepared with supporting documentation and communicated through demand packages that explain liability and damages. If negotiations stall, we may file suit and continue building the case through discovery and motion practice, always evaluating settlement opportunities that align with your goals.
Understanding certain legal and insurance terms can help you make informed choices after a dirt bike accident in Saint Charles. Concepts like comparative fault, statutes of limitations, UM and UIM coverage, and product liability influence how claims progress and what compensation may be available. These terms guide key steps such as evidence collection, insurance notifications, and settlement negotiations. While every case is unique, learning the language behind the process can reduce confusion and empower you to participate confidently in strategy decisions. Our team explains each term in plain language and applies it to the specific facts of your situation.
Comparative fault is the rule Minnesota uses to assign responsibility when more than one party contributes to a crash. Your compensation is reduced by your percentage of fault, and you can recover as long as your portion is not greater than the combined fault of others. In dirt bike cases, facts like speed relative to conditions, visibility, right-of-way, and trail etiquette can affect fault allocation. Early investigation matters because small details, including helmet use, lighting, and signage, may influence how an insurer or jury views responsibility. The goal is to present clear, consistent evidence that supports your account.
UM and UIM coverage may apply when a negligent driver lacks insurance or does not have enough to cover your losses. Even if your dirt bike crash happened off-road, your auto policy could provide benefits depending on how the incident occurred and the policy language. These benefits can help with medical bills, wage loss, and non-economic damages. Timely notice to your carrier and careful coordination with liability claims are important to preserve rights and avoid conflicting statements. We review policy declarations, endorsements, and exclusions to determine whether UM or UIM benefits can support your recovery after a Saint Charles crash.
The statute of limitations is the deadline to file a lawsuit. In Minnesota, time limits vary based on the type of claim, the parties involved, and whether a governmental entity may be responsible. Missing a deadline can end your case regardless of its merits. Because dirt bike accidents can involve multiple potential defendants, including landowners or manufacturers, identifying the correct timeline is essential. Evidence collection should begin well before any deadline so your case can be evaluated and filed if needed. When you contact our firm, we assess timelines early to keep your options open and your claim protected.
Product liability arises when a defect in a bike, component, or safety gear contributes to an injury. Defects can involve design, manufacturing, or warnings. In dirt bike cases, examples may include faulty brakes, throttle issues, helmets that fail under expected forces, or aftermarket parts that do not fit correctly. Product claims require careful preservation of the item, maintenance records, and expert evaluation to identify the failure and link it to the crash. These cases can proceed alongside negligence claims against other parties. We explore product liability whenever the facts suggest equipment performance played a role in the incident.
Some riders handle simple property-only claims on their own, especially when injuries resolve quickly and liability is uncontested. Others seek limited-scope help to review settlement offers or draft a demand letter. Many choose full representation when injuries are significant, fault is disputed, or multiple insurers are involved. Comprehensive representation coordinates treatment, collects records, develops damages, and negotiates with a litigation-ready posture. Each path has tradeoffs in time, risk, and potential outcome. We discuss your goals, claim complexity, and financial concerns so you can select the approach that fits your situation. Whatever you choose, we provide clear, practical guidance.
If your Saint Charles incident involved only cosmetic damage to your dirt bike and you did not seek medical treatment, a limited approach might meet your needs. You may focus on documenting the scene, collecting receipts, and obtaining a straightforward repair estimate. In these situations, insurers are often willing to evaluate photos and statements without extensive investigation. We can still provide guidance on communicating with adjusters, preserving records, and avoiding statements that could be misinterpreted later. A brief consultation can ensure you understand your rights while keeping costs low and the process simple, efficient, and tailored to your goals.
When the other party accepts responsibility early and there is prompt payment for medical bills and repairs, limited assistance may be appropriate. We can help review paperwork, confirm the release language, and make sure all known damages are addressed before you sign anything. Even in cooperative cases, it is wise to ensure that wage loss, follow-up care, and future needs are considered. A short review can prevent underpayment or unintended waivers. This approach keeps momentum while safeguarding your interests, allowing you to finalize a fair outcome without the time and expense of a fully contested claim process.
More serious injuries, such as fractures, concussions, or spine and joint damage, benefit from a comprehensive approach. These claims require close coordination with providers, careful tracking of expenses, and credible projections for future treatment. Pain levels, missed work, and limits on daily activities must be documented with specificity. Insurers often test these claims with repeated requests and narrow interpretations of medical notes. We organize the record, address gaps in care, and present a clear narrative that ties the injury to the crash. The objective is to reflect the true impact of the incident in every part of your claim.
If liability is challenged or several parties may share responsibility, a comprehensive approach helps protect your rights. This includes collisions with vehicles on rural roads, multi-rider trail incidents, and situations involving landowners or manufacturers. We gather statements, site measurements, digital data, and maintenance records to establish the facts. Coordinating between insurers reduces conflicting narratives and missed coverage opportunities. When needed, we file suit to obtain documents and testimony through discovery. A structured strategy keeps the case moving and encourages fair negotiations, while preparing for trial if that becomes the path to achieving a full and just resolution.
A comprehensive strategy aligns investigation, medical documentation, and negotiation from the outset. It prevents gaps in proof and ensures that each stage builds toward a coherent, persuasive demand. Riders often find that coordination reduces stress and keeps treatment on track while the case progresses. This approach identifies every potential source of recovery, including insurance benefits that may otherwise be overlooked. It also addresses liens and subrogation so net recovery is protected. By anticipating issues before they arise, we maintain momentum and keep your goals front and center throughout the claim process, from first call to final resolution.
Comprehensive representation also gives your case a credible posture if litigation becomes necessary. Thorough preparation signals to insurers that the claim is supported by facts and ready for court, which can encourage fair settlement discussions. You benefit from organized records, consistent messaging, and well-developed damages that reflect the real impact of your injuries. If your case does proceed to suit, the groundwork is already in place, saving time and improving efficiency. This balance of readiness and resolution focus is designed to help Saint Charles riders move forward with confidence and a clear plan.
Detailed documentation can make a decisive difference in a dirt bike claim. We assemble photos, ride data, repair estimates, witness accounts, and site conditions to create a complete record. Medical reports connect your injuries to the crash and outline treatment plans and prognosis. Wage records, time-off logs, and activity journals help quantify economic losses and daily limitations. By organizing these materials early, we reduce delays and give insurers a clear reason to evaluate your case seriously. Thorough files also support litigation strategy if needed, improving credibility and consistency whether we negotiate, mediate, or present your case in court.
Negotiation is more effective when supported by evidence and a well-defined theory of liability and damages. We tailor strategy to the facts, the insurance carriers involved, and the venue. Demand packages present a clear story, supported by records and visuals that highlight responsibility and impact. Throughout the process, we reassess valuation as new information arrives and discuss options with you in plain language. When appropriate, we prepare for mediation or trial to keep pressure on a timely, fair outcome. The goal is to reach resolution without surprises, always aligned with your priorities and long-term recovery.
See a medical professional as soon as possible, even if you feel okay. Adrenaline can mask symptoms, and early documentation links injuries to the crash. Tell providers exactly what happened and where you feel pain so notes reflect mechanism of injury and affected areas. Follow treatment plans and attend follow-up appointments to demonstrate consistent care. Keep copies of bills, imaging, and prescriptions. If you miss work, ask your employer for written verification. These steps help your health first and also support your claim by building a clear, timely record that insurers and, if necessary, a court can evaluate fairly.
Insurers often request recorded statements soon after a crash, when facts are still developing. Provide only accurate, concise information, and avoid speculation about speed, distances, or fault. Do not minimize symptoms or guess about your medical condition. Ask for claim numbers and adjuster contact details, and keep a record of every call or email. Before signing releases, understand what rights you may be waiving and whether all claims are included. If you are unsure how to respond, we can handle communications for you and make sure your words are not misinterpreted or used to undervalue your claim.
Legal guidance can relieve stress and improve claim organization while you focus on recovery. We help identify coverage, coordinate benefits, and present your injuries and losses clearly. Timely action preserves evidence and ensures your claim complies with Minnesota law. If you were hit by a vehicle near Saint Charles, injured on a trail, or harmed by a defective part, we will map out options and next steps. Even if you are unsure about fault, a consultation can clarify risks and opportunities. With Metro Law Offices, you receive practical advice and steady support tailored to your situation.
Many riders are surprised by how quickly insurers request statements and releases. Without guidance, it is easy to overlook future treatment or sign documents that limit recovery. We evaluate medical needs, track lost time, and value non-economic harm supported by evidence. If a settlement is offered, we review whether it covers all categories of damages and potential liens. When multiple parties are involved, we coordinate communications and keep your case moving. Our purpose is to protect your rights and present your story with clarity so you can make informed decisions at each stage of the process.
Riders in Saint Charles turn to us after collisions on rural roads, multi-rider incidents on trails, and crashes linked to equipment failures. We often see disputes about visibility, right-of-way, speed for conditions, and maintenance of the riding area. Some cases involve vehicles crossing into off-road spaces or careless operation near trailheads. Others center on defective parts or safety gear that did not perform as expected. Claims may also involve landowners, event organizers, or manufacturers. Whatever the circumstances, we assess liability, review insurance options, and build a clear, evidence-backed claim designed to reflect the full impact on your life.
Trail riding around Saint Charles can involve tight turns, changing surfaces, and limited sightlines. Collisions often occur at intersections, blind rises, or areas with mixed skill levels. Establishing fault requires careful attention to trail etiquette, signage, speed relative to conditions, and whether riders maintained proper lookout. We gather witness statements, photos, and ride data to reconstruct the sequence of events. Medical records and gear inspections add context to injury mechanisms. These steps help present a balanced, fact-based account that addresses both rider conduct and environmental factors, supporting a fair evaluation by insurers or a court if needed.
Rural roads near Saint Charles often see interactions between dirt bikes, pickup trucks, and farm equipment. Crashes may involve unsafe passing, failure to yield, or limited visibility at driveways and field entries. Proving liability can depend on sight distances, lighting, and compliance with road rules. We collect scene photos, vehicle damage assessments, and any available dash or security camera footage. Coordination with law enforcement reports and medical documentation strengthens the claim. When appropriate, we also evaluate UM and UIM coverage. Our aim is to present a complete picture that supports accountability and fair compensation for your injuries.
Some crashes trace back to equipment that failed under normal use, such as brakes that fade, throttles that stick, or protective gear that does not perform as expected. Product liability claims require preserving the item, maintenance history, and purchase records. We work to document the failure, evaluate whether a defect or improper fit contributed, and connect the malfunction to the injuries. These cases frequently run alongside negligence claims against other parties. By addressing both product and negligence theories, we protect all avenues of recovery and present a case that reflects the full scope of what went wrong.
We focus on clarity, communication, and preparation. That means timely investigation, organized records, and demand packages that tell your story clearly. Our process is designed to reduce stress and keep your case on track, whether it resolves through negotiation or litigation. We are familiar with how Minnesota law applies to off-road crashes and how insurers evaluate these claims. Most importantly, we listen to your goals and shape strategy around what matters most to you and your family.
Riders appreciate our practical approach. We coordinate medical documentation, address liens, and work to protect net recovery. We engage with adjusters professionally and persistently, pressing for fair value backed by evidence. If a case needs to be filed, we are prepared to move forward and keep momentum. Throughout, you receive plain-language updates and honest evaluations so you can make informed choices, not guesses, about your next steps.
Local knowledge matters. Saint Charles trails, rural roads, and seasonal conditions can shape liability and damages. We understand how these factors affect fault allocations and valuation. Our firm brings Minnesota injury law, investigation tools, and a client-first mindset together to support your recovery. When you are ready, call 651-615-3322 for a conversation about your options. There is no obligation, just practical guidance to help you move forward after a dirt bike crash.
Every case starts with listening. We learn what happened, how you were hurt, and what a good outcome looks like for you. Then we outline a step-by-step plan for medical documentation, evidence collection, and insurance communications. We manage deadlines, evaluate coverage, and prepare a demand backed by records and clear explanations of liability. If negotiations stall, we discuss litigation and timeline expectations. At each stage, you receive updates and options, with time to ask questions and make informed decisions. Our process aims to be thorough, transparent, and focused on results that support your recovery.
We begin by gathering the facts, reviewing any photos, reports, and medical records you already have, and identifying immediate needs such as vehicle evaluation or treatment coordination. We also discuss insurance coverage, including potential UM or UIM benefits. This early assessment helps us set priorities, confirm deadlines under Minnesota law, and plan investigation tasks. You will leave this step knowing the next actions, how to communicate with insurers, and what documentation to gather. Our goal is to create momentum and reduce uncertainty from day one.
You know the ride, the trail, and the moment things changed. We want to hear it all. We ask about the crash, symptoms, work duties, and how daily life has been affected. We also discuss your priorities, whether that is timely settlement, wage replacement, or long-term support for ongoing care. Understanding your goals helps shape case strategy. We explain the legal landscape in plain language, flag potential challenges, and answer questions so you feel informed and supported as we move forward together.
Early evidence preservation can strengthen your claim. We gather scene photos, contact witnesses, and request available reports. We ask you to keep your helmet and gear, retain repair estimates, and save any ride data or video. We also obtain medical records to connect injuries to the crash and track treatment. With this foundation, we can prepare targeted requests to insurers and begin valuing the claim. The aim is a complete, organized file that supports liability, damages, and a clear path to appropriate compensation.
We expand the record with additional witness outreach, site inspections as needed, and a careful review of all policies involved. We coordinate benefits and manage insurance communications, keeping statements accurate and consistent. Medical updates are tracked so the demand reflects current diagnoses and future needs. If another party disputes fault, we assemble proof that addresses their arguments. Throughout, you receive updates on valuation ranges and strategy options for negotiation, mediation, or litigation, depending on how the case develops.
We analyze how and why the crash occurred using photos, terrain details, maintenance records, and statements. We look at trail rules, sightlines, and speed relative to conditions. For roadway collisions, we consider lighting, lane position, and traffic controls. These facts, combined with Minnesota comparative fault principles, inform our liability position. A strong liability analysis reduces insurer arguments and supports a fair valuation. It also positions the case for litigation should that become necessary to secure a just result.
Medical billing can be confusing after a dirt bike crash. We help coordinate health insurance, medical payments coverage, and liability benefits so treatment continues without unnecessary delays. We track balances, address coding issues where appropriate, and gather records to reflect the full scope of injury. We also identify potential liens and subrogation interests early so they can be managed during settlement. This reduces surprises and helps protect your net recovery while ensuring your providers are paid promptly and correctly.
With evidence and records in place, we prepare a thorough demand that explains liability and damages in clear, persuasive terms. We negotiate with insurers and defense counsel, presenting proof and responding to challenges. If offers do not reflect the claim’s value, we discuss filing suit and timelines. Litigation steps may include discovery, motions, and alternative dispute resolution. Throughout, we reassess goals, update valuations, and look for resolution paths that make sense for you. Our focus is achieving a fair outcome while keeping the process understandable and manageable.
We approach negotiation with preparation and clarity. Demand materials present the facts, medical support, and damages in a way that addresses likely objections. We communicate respectfully but persistently, pressing for offers that reflect the evidence. We keep you informed about each step, explain the pros and cons of counteroffers, and incorporate your priorities into the strategy. If mediation is appropriate, we prepare you for the process and what to expect. The goal is to secure fair compensation without unnecessary delay.
Strong settlement positions are built on readiness for court. We gather testimony, finalize exhibits, and develop themes that connect liability and damages. At the same time, we remain open to reasonable resolutions that meet your needs. This dual track encourages productive talks and ensures we are prepared if trial becomes the best path forward. You will understand timelines, roles, and next steps, with honest guidance at every turn. Our aim is to resolve your Saint Charles case efficiently while protecting your long-term interests.
Seek medical care right away, even if symptoms seem mild, and report every area of pain. Call law enforcement if the crash involves a roadway or significant injury. Photograph the scene, your bike, and visible injuries. Collect names and contact details for witnesses, riders, and property owners. Save your helmet and gear in their post-crash condition and avoid repairs until documented. If you have GPS tracks or camera footage, preserve the files and back them up. Notify your insurance company promptly, but keep statements brief and accurate. Avoid speculation about speed or fault. Do not sign broad medical or liability releases before understanding what rights you may waive. Contact Metro Law Offices at 651-615-3322 to discuss next steps. We can help coordinate care, evaluate coverage, and manage insurer communications while you focus on healing after a Saint Charles dirt bike crash.
Minnesota traffic laws primarily govern public roads, but duties of reasonable care apply everywhere, including trails and private land. Liability can turn on whether riders followed posted rules, maintained a proper lookout, and adjusted speed to conditions. Landowner responsibilities, event rules, and trail etiquette can also factor into fault. Each location has its own expectations and potential hazards that affect how responsibility is assigned. Even off-road, insurance policies and state law still influence claims. If a vehicle was involved near a road, traditional traffic rules may play a larger role. It is important to document signage, terrain, and visibility to show how the crash happened. We analyze the riding environment and applicable rules to build a clear picture of responsibility and present your claim effectively.
Deadlines vary by claim type, the parties involved, and how the crash occurred. Minnesota has statutes of limitations that can bar claims if a lawsuit is not filed in time. When potential government entities, minors, or product manufacturers are involved, special timelines and notice rules may apply. Because cases differ, early evaluation is important to protect your rights. We identify deadlines as part of our initial review and plan investigation tasks accordingly. Starting early helps us preserve evidence, obtain records, and position your claim for negotiation or litigation. If you have questions about timing after a Saint Charles dirt bike crash, contact Metro Law Offices promptly. We will assess the facts and ensure the calendar is managed so options remain open.
Helmet use can affect injury severity and sometimes how insurers view claims, but it does not automatically eliminate your right to recovery. Minnesota’s comparative fault system evaluates overall responsibility based on all facts, including conduct of the other parties. The key is documenting how the crash occurred and how specific injuries relate to the incident, regardless of helmet use. We focus on building medical proof and liability evidence that connects the crash to your injuries. Even if a helmet was not worn, you may still recover damages if the other party’s negligence contributed to the collision. We present a comprehensive case that addresses potential defenses and supports fair compensation for your losses.
Yes, Minnesota follows comparative fault. Your compensation can be reduced by your percentage of responsibility, but you can still recover as long as your share is not greater than the combined fault of others. Insurers often argue shared responsibility in off-road incidents, so careful evidence collection is important. We work to minimize any asserted fault by presenting facts about visibility, speed for conditions, signage, and rider conduct. A clear liability analysis, supported by witness statements and documentation, helps protect your claim value. Even when fault is shared, thoroughly prepared cases can lead to fair outcomes that reflect the true impact of your injuries.
Approach insurer communications carefully. Provide basic, accurate information, but avoid speculation about speed, distances, or fault. Decline recorded statements until you understand the implications. Insurers often move quickly to shape the narrative and limit payouts, especially in off-road cases where facts can be disputed. We can handle communications on your behalf to keep messages consistent and protect your rights. Before signing medical releases or settlement documents, it is wise to have them reviewed. This helps ensure that all injuries and damages are included and that you are not waiving future claims. Contact Metro Law Offices for guidance before engaging in detailed discussions.
A dirt bike injury claim may include medical expenses, rehabilitation costs, prescription medications, and mileage to appointments. It can also seek compensation for lost wages, reduced earning capacity, and property damage to your bike and gear. Non-economic damages, such as pain, emotional distress, and loss of enjoyment of life, are often significant components. Valuing these categories requires solid documentation and a clear explanation of how the injuries affect work, family life, sleep, and hobbies like riding. We coordinate with providers, track expenses, and gather records to support each element. Our goal is to present a comprehensive demand that reflects both current losses and reasonable future needs.
Dirt bike cases frequently involve trails, private land, and variable terrain, which can complicate liability analysis. Rules may come from posted signage, event guidelines, or landowner policies rather than standard traffic laws. Equipment performance and maintenance records often play a larger role, including inspections of helmets and aftermarket parts. Street motorcycle crashes usually center on traffic controls, lane use, and vehicle codes. In dirt bike cases, we also evaluate trail etiquette, sightlines, and speed relative to conditions. This broader focus informs investigation and evidence collection. By tailoring strategy to the environment, we build stronger claims that reflect the realities of off-road riding in Saint Charles.
If the at-fault party lacks adequate coverage, your own policy may help through UM or UIM benefits. Eligibility depends on the policy language and how the crash occurred. Prompt notice to your carrier, careful coordination with the liability claim, and consistent statements are important to preserve rights under your policy. We review declarations pages, endorsements, and exclusions to identify applicable benefits. When required, we pursue both liability and UM/UIM claims in a coordinated way, presenting a single, consistent story supported by evidence. This approach can open additional recovery paths and help address medical bills, wage loss, and non-economic damages.
Most injury cases are handled on a contingency fee, meaning you do not pay attorney fees unless we recover compensation. Initial consultations are free, and we explain the fee structure in writing before representation begins. You remain in control of decisions, and we keep you updated on strategy and valuation throughout the case. Case costs such as records, filing fees, and expert evaluations are discussed in advance. Depending on the agreement, costs may be advanced and reimbursed from any recovery. Our aim is transparency, predictability, and value. Call 651-615-3322 to learn how Metro Law Offices can help after a Saint Charles dirt bike accident.
