Filing a Motorcycle Accident Claim? Here’s What You Need to Know

In the United States, the National Highway Traffic Safety Administration (NHTSA) reports 5,286 fatalities in the United States. This number is even an increase of 5.1% from the previous year. 

These are scary numbers if you are a motorcycle rider. Yet, there is nothing like getting out on the open road to take a bike ride. As a motorcyclist, though, there are some real dangers. 

If you have been in an accident and need to do a motorcycle accident claim, read on. It might seem intimidating to know how to proceed after an accident. You might feel worried about costs and financial loss. You might need to recover from an injury.

It often becomes necessary to protect yourself with a claim. Read on to learn everything you need to know.

Types of Claim

After an accident, certainly, there are a number of things to consider. Once you get beyond the immediate concern of treating injuries and going through recovery, you will start to think about filing claims related to the accident. 

Of course, you will need to be in touch with your insurance company and probably an attorney too. If you are not at fault for the accident and need another insurance company to pay, it can get complicated. 

You need to make the claims from your motorcycle accident, so you can get paid for all the expenses you have are incurring. An attorney can help with the process, yet this can be expensive too. You need to know what type of claims you can file and what will get covered in those claims.

Property Damage

Property damage is one type of claim to file. This is, as the name suggests, the actual property involved in the accident. If you were on your motorcycle during the accident and it was damaged, this would be a property damage claim. 

If another driver was at fault in the accident, you or your attorney will want to file the claim with the other person’s insurance company. If there were no other vehicles involved, then you would file the claim with your own insurance company.

Likewise, if any other property got damaged, like a house got hit, for example, then the owners of that property would be involved in the case too. 

Personal Injury

Personal injury claims often involve attorneys and legal proceedings to prove guilt. If you are not at fault in an accident and get injured, the claim for the injuries you experience would go to the at-fault driver’s insurance company.

Personal injury after a motorcycle accident’s connected to both the actual injuries and to lingering effects of the accident. More on what’s covered from a personal injury claim later. 

What Is Covered Under Property Damage?

You should expect your property to be covered under a property damage claim. Although you might be surprised to learn that your property will not be covered for what you paid for it when you bought it. You know that once you buy a motorcycle, like a car, it immediately depreciates in value. 

So you can assume that the money you might get from damage or a complete loss to your motorcycle might be in the range of what you could see it to another person. For many, this is a surprise to learn they may not get back enough to buy a new bike like they once had. 

Insurance policies have two different types of coverage for claims. 

There is collision coverage which covers the damage that comes to property from a collision. There is also comprehensive damage coverage. Comprehensive damage covers potential damage to your property that you experience as a result of something non-accident related. 

Say you are out for a motorcycle ride and it starts to rain. You are on a curvy road and your bike slides and wipes out. The damage from this type of event would be covered under property damage. 

What Should Be Claimed Under a Personal Injury Claim?

Personal injury claims will cover all those things related to an actual personal injury.  There are three areas that cover the scope of personal injury claims. 

First, there are medical expenses associated with the accident and injury. This would cover your medical bills from the accident and follow up care. 

Follow up care might include things like physical therapy and prescriptions needed because of the accident and injury.

If you’re injured badly enough that it forces you to miss work, lost wages also fall under this category. If you can’t work as a result of the injury then all those lost wages should be covered in the personal injury claim. 

Finally, often personal injury claims often include compensation for pain and suffering the victim of the accident experiences because of the accident.

Making a Claim

Following an accident, there are many things to think about and worry about, especially if you have been injured. But it’s important to act quickly.

First, seek medical care and follow doctor’s orders. It’s important to get medical care and get the documentation of your injury for the claim going forward. 

If you are able to do so then take pictures of the accident scene. If you are unable, then the police will gather pertinent information related to the other driver and who was at fault. They will also gather information from potential witnesses which can be important later. 

What to Do When You Have a Motorcycle Accident Claim

If you’re involved in a motorcycle accident, you have some real decisions to make about how to go forward. If you have filed a motorcycle accident claim, you might be waiting for your benefits to come your way.

We can help you with your case. We can help with your litigation funding so you can carry on with your case and get the compensation you deserve. Contact us today for help with your claim and get the funding you need. 


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