In many ways, filing a claim after a motorcycle wreck is similar to that of a car wreck. But there are a few things that could make the process more complicated. Being aware of these potential differences with your motorcycle insurance claim can increase the chances that you’re treated fairly throughout your claims process.
And of course, since we’re injury attorneys – we’d like to tell you that it’s free to call us at any time about what happened to you. There’s no risk or obligation to get our legal opinion on your options.
With that, here are 5 ways a motorcycle insurance claim may be different:
It’s obvious that you’re more likely to get seriously hurt or even killed in a motorcycle accident than a car accident. A motorcycle is a much smaller vehicle and there’s little to protect a cyclist from the force of a collision. Consider that in a crash, the driver may walk away while the motorcyclist is ambulanced to the nearest hospital.
When a motorcyclist is injured, he or she may be unable to attend to some critical steps following the collision. For instance:
It’s also not uncommon for an at-fault motorist to flee the scene. Any of these things can negatively impact a motorcyclist’s accident insurance claim.
Damages are all the ways you’ve been harmed in an accident. This can include both financial harms as well as pain, suffering, and other intangibles. Given that a motorcyclist is more likely to be injured, the damages can be high.
Consider some of the possible damages in a motorcycle accident:
In the unfortunate event a motorcyclist is killed, the damages only increase. It’s possible a family has lost their primary wage-earner. You’ve also got funeral and burial expenses to pay for. On top of the indescribable loss of a loved one.
Motorcycle claims tend to have higher settlement values because of the high damages. In other words, the more damages you’ve experienced, the higher the potential compensation you could receive in an insurance claim. Of course, insurance companies know this and will often lowball motorcyclists or get them to settle their cases quickly.
Unfortunately, many people carry biases against motorcyclists. For instance, they may think that a motorcyclist:
These biases, if they are held by an insurance agent or a jury, have the potential to negatively impact your insurance claim. For instance, an insurance agent may have a difficult time believing that you weren’t at least partially to blame for your crash.
While you likely have you motorcycle insurance policy through the same company as your auto policy, your limits and coverages may be different.
In the past, you didn’t have to carry any insurance to ride a motorcycle in Washington. That changed in 2019 when a law was put into place requiring all motorcyclists to carry the same minimum liability as any other motorist. Yet, liability only pays for the damage or injuries you cause others.
There are a few extra, optional coverage types that are important to have when you are a motorcyclist. You may have these on your car insurance policy, but it’s important that they also are added to your motorcycle insurance policy.
Of course, the best time to make sure you have these coverages in place on your motorcycle policy is before a crash. No matter what, reach out to your insurance agent to learn more about your policy.
Sometimes, it’s not another driver that caused your motorcycle accident at all. Depending on the circumstances, you may be able to take legal action against another party entirely.
Consider these motorcycle crash causes:
Please understand that lawsuits against a city or manufacturer are complicated. Your best bet is to consult with a top-rated personal injury attorney who can determine if you have a case.
If you have been seriously hurt in a motorcycle crash, it’s a good idea to reach out to a motorcycle accident lawyer. It’s always free for an initial consultation with a lawyer from our team. Plus, we only charge a fee if we’re able to win you a settlement.
Some of the ways we can help you include: