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How Does My Motorcycle Insurance Affect My Claim?

Dec 3, 2019 Brown Moore

If you or a loved one are injured in a motorcycle accident, you will have many questions. This will include – how does my motorcycle insurance affects my claim?

At Brown, Moore & Associates, PLLC, our knowledgeable and experienced team is ready to help you in the aftermath of a motorcycle crash. We will investigate all aspects of your case, including who was liable as well as the insurance coverage of all parties involved. Today, our Charlotte motorcycle accident attorneys want to discuss how motorcycle accident insurance affects a claim.

How does a motorcycle accident claim work?

Motorcycle accident insurance claims work similarly to regular car accident insurance claims. However, you need to know that your traditional car accident insurance policy does not cover a motorcycle accident claim in North Carolina. Residents of this state must purchase separate insurance policies for their motorcycles, just like they would if they had another vehicle. In NC, the minimum insurance requirement for motorcycles is:

  • $30,000 bodily injury per person
  • $60,000 bodily injury per incident
  • $25,000 property damage per incident

Your motorcycle accident insurance plays a vital role in the aftermath of a crash. This insurance will ensure you are taken care of, whether you are at fault or whether someone else caused the incident. Regardless of what happened, you will file a claim with your insurer. If the other driver was at fault, your insurer will seek to recover the cost of your coverage from the at-fault driver’s carrier. In the meantime, you will receive coverage, up to the maximum allowed by your policy.

However, your insurance carrier may not offer a fair settlement amount, especially if you were partially at fault for the crash. North Carolina’s contributory negligence laws make it impossible for a person to recover compensation from an at-fault driver if you are even partially to blame for the incident. With this in mind, you should work with an attorney to establish the other party’s liability in your case.

How often do these incidents occur?

We have plenty of motorcycle enthusiasts in North Carolina, particularly in and around the Charlotte area. However, accidents do occur, and they are often caused by the actions of a careless or negligent driver. During the latest reporting year of data available from the NC Department of Transportation, we can see that there were 3,722 motorcycle crashes across the state. These incidents led to:

  • 145 fatal crashes
  • 2,991 injury crashes

Let us get started on your case today

If you or someone you know has been injured in a motorcycle accident and are uncertain as to how your insurance claim works, please seek legal assistance. At Brown, Moore & Associates, PLLC, we will help you understand your policy and how it affects your crash. We will also explore filing a lawsuit against a negligent driver. Our goal is to ensure you are fully compensated after a crash, which includes:

  • Coverage of your medical bills
  • Compensation for lost income if you cannot work
  • Mental anguish damages
  • Loss of enjoyment of life damages

When you need a Charlotte motorcycle accident lawyer, you can contact us for a free consultation by clicking here or calling us at 704-335-1500.