Motorcycle Accidents And You

Answer 1

There are a few types of motorcycle accidents a motorcyclist must be aware of before heading out on the open road. The most common motorcycle accidents fall into one of three different categories. The first is when the motorcyclist has an accident that doesn't involve any other vehicle, but may involve an animal or an inanimate object. The second is when the motorcycle is involved in an accident with another vehicle. The third is when a motorcycle is involved in an accident with a pedestrian. In all cases, riding with caution is highly recommended.

Motorcycle Alone

When a motorcyclist is in an accident that doesn't involve any other person, any damages to structures, personal property, the motorcycle itself, or injuries to the rider will be covered under the collision portion of an insurance policy in most states. Without a collision policy, the liability for damage to third party property is covered in the comprehensive policy. Depending upon the state, it may be considered no fault, or fault may need to be assigned by the appropriate authority.

Motorcycle versus Vehicle

When a motorcycle is in an accident with another vehicle, fault will need to be assigned before insurance companies are able to work out a benefits package for those involved. Comprehensive and Collision coverage should cover all aspects of a Motorcycle versus Vehicle collision, up to the limits of the coverage the offending parties have purchased. Although a motorcycle may do less damage than a motor vehicle, 100% fault can still be assigned to the rider.

Motorcycle versus Pedestrian

Dealing with a motorcycle versus pedestrian accident is one of the trickiest accidents for both the rider and the insurance company. Assigning fault, liability, and accountability for the accident is a determination that may need to be made in a court of law. For example, some states have personal injury laws that can cause the liability to be split between the rider and the pedestrian. A pedestrian can be found 10% At Fault for the accident, leaving the rider's insurance responsible for payout of 90% of the damages to both the motorcycle as well as any injuries sustained to the rider and the pedestrian.