Motorcycle Insurance Coverages
Injured riders may find it burdensome to get compensation following an accident, especially if they follow their claim without the help of an attorney. Since PIP in some states is only a preserve for vehicles with more than three wheels, motorcycle riders cannot possess PIP coverage.
If the motorcycle rider has a car covered by PIP (personal injury protection) insurance, the policy does not cater to accidents on the motorcycle. If the rider does not have a motorcycle accident insurance policy, they may find it challenging to meet substantial medical bills.
Suppose you a rider gets injured in a motorcycle accident. In that case, a seasoned attorney such as a Denver Motorcycle Accident Lawyer could advise you on options for pursuing a settlement for medical expenses and other losses. If you contact a lawyer promptly after the accident, he or she can start to gather evidence and information to reinforce your settlement claim. To help support your claim, your lawyer may:
- Consult experts
- Gather witness statements
- Collect scene and police reports
- Recreate the accident
- Photograph the scene
- Review medical records
- Reconstruct the accident scene
- Reach insurance companies on your behalf
After an accident, your attorney may opt to negotiate compensation for costs incurred due to the accident.
If your loved one dies in a motorcycle crash, you may have hope to get a settlement by filing a wrongful death suit. An accident attorney can help the deceased’s family prove that the other driver’s negligence caused the victim’s death.
What Compensation Can Be Recovered?
In negotiations against an insurance company or negligent party, the lawyers may be able to help you recover compensation for the following:
Future and Past Medical bills: Aggrieved parties can sue to get compensation for surgery, emergency visits, hospital care, etc. if the accident caused the injuries.
Lost Wages: Motorcycle accident victims can claim compensation for the money they might have made if the accidents had not occurred. Victims can get paid for the period they missed work to recover.
Pain and Suffering: Since motorcycle riders cannot be given PIP insurance, a lawsuit to claim settlement to overcome their suffering and discomfort after the accident. Whether the victim requires payment depends on factors such as the nature of the injury, duration, and extent of pain will be considered.
Mental Anguish: Victims and families may also be provided compensation by the insurance company for the emotional pain they had to face after the incident. Such emotions include;
- Embarrassment
- Feelings of fright
- Grief
- Nervousness
- Worry
Consortium Loss: insurance companies can compensate Surviving spouses for the loss of aid, services, assistance, and spousal companionship due to death caused by a motorcycle accident. A jury or the negligent party may award surviving parent’s compensation for their children’s lost friendship, affection, and love due to their wrongful death. Likewise, children may get awarded a prize for the loss of assistance, services, aid, and companionship of their parents due to their wrongful death.
