Motorcycle Accidents and Insurance Claims
Because of the likelihood of injury in a motorcycling accident, insurance is an important issue for any cyclist. While the purpose of insurance is simple – it covers a cyclist in the event of an accident – the laws pertaining to coverage, premiums, and other issues can be confusing, particularly since the laws vary state by state. For detailed information on motorcycle insurance and laws in your state, contact a qualified motorcycle accident attorney near you.
What affects a motorcyclist’s insurance premium?
An insurance company considers several factors to determine what a cyclist’s premium will be. These factors include the:
- The type of bike
- The cyclist’s driving record
- How often the bike is driven
- How far the bike is driven when used
- The driver’s age
- Special training (ie. completion of a motorcycle training program)
What type of insurance are motorcyclists required to have?
Every state requires that motorcyclists be registered, licensed, and insured just like automobile drivers. However the minimum requirement laws and laws requiring helmets and protective gear vary by state. Minimum coverage of Bodily Injury Liability and Property Damage Coverage is typically required to pay claims against the policyholder if he or she is liable for an accident.
Is there uninsured and underinsured motorist coverage for motorcyclists?
Yes, although the limitations of uninsured (UM) and underinsured (UIM) motorist coverage vary state by state, as do whether or not UM and UIM coverage is mandatory. UM and UIM coverage protects a motorist who suffers injuries by another motorist who does not have insurance or has inadequate insurance.
Locate a Motorcycle Accident Attorney
Enlisting the help of a talented motorcycle attorney is your first step in navigating the complex insurance issues involved in your accident. Locate an attorney near you to make sure your rights are protected.