Motorcycle accidents could negatively impact a person’s insurance rates more than they would after a car accident. Insurance rates for motorcycles and automobiles are based on fault. If an accident is someone’s fault, it is likely that their insurance rates would be increased. If the accident is not their fault, their rates would not be negatively affected. All insurance rates go up over time, but they are not increased as the result of being in an accident that was not their fault.

It is important to report all accidents to the insurance company to protect possible benefits in the future. An experienced motorcycle accident lawyer would be able to advise them as to the proper procedure. Reach out to a seasoned attorney to learn about the relationship between insurance claims and motorcycle accidents in Oak Lawn.

Most Common Damages an Injured Person Could Claim in a Claim or Lawsuit

Injuries following a motorcycle accident tend to be more severe than other vehicle collisions. This comes from the fact that there is not much protection between the motorcycle rider and other vehicles on the road.

The most common injuries a person could sustain in a motorcycle accident include:

  • Broken bones
  • Road rash
  • Contusions
  • Severe head injuries such as a concussion

After a motorcycle accident, even if an individual is feeling okay, it is important to be checked out by proper medical specialists. Insurance companies look at the medical treatment when evaluating the claim for damages.

Factors That Could Influence a Person’s Insurance Rates

Contributory negligence plays into changes in a potential person’s insurance rates. An accident may be more than one person’s fault. If an accident is partially someone’s fault, their insurance company may take this into consideration when setting the insurance premiums in the future.

In Oak Lawn, other factors may influence a person’s insurance rates if they are involved in a motorcycle accident. Insurance rates are based on fault. If an accident is the fault of one person, it is likely that their insurance rates would be increased. If the accident is not their fault, it is unlikely that rates would be increased.

Understanding Hit-And-Run Accidents

In the event a motorcyclist experiences a hit and run in Oak Lawn, motorcyclists will be covered because they have a hit-and-run, uninsured motorist claim. There must be contact between the motorcycle and the vehicle that leaves the scene. If someone drives negligently and causes them to spill the bike, but there is no contact, there is no uninsured motorist case.
It is best to speak to a seasoned motorcycle collision lawyer any time someone is involved in an accident, but particularly when it involves a hit-and-run driver.

What If the At-Fault Driver Could Not Be Located?

An Oak Lawn motorcycle injury claim could proceed if the at-fault driver could not be located. If the at-fault driver could not be identified or located, a motorcycle accident becomes an uninsured motorist claim provided that there was contact between the motorcycle and the at-fault vehicle that left the scene. The contact between the motor vehicles is an essential part of any hit-and-run, uninsured motorist claim. If a driver is unable to be identified and the motorcycle rider does not have insurance themselves, there would be no recovery.

How a Motorcycle Accident Attorney Could Help

Insurance coverage is mandatory on motorcycles. One should always make sure that they examine the coverage they have for their bike. Following a motorcycle accident is not the best time to realize that they do not have sufficient coverage for their injuries. If they have questions about what limits they should have for a motorcycle, they should contact their insurance agent or an experienced attorney for guidance.

Schedule a consultation today to learn about insurance claims and motorcycle accidents in Oak Lawn.