Glastonbury motorcycle accident insurance claims are distinct from other motor vehicle accident cases because of the causes of these types of accidents may be different. For instance, motorcycles are much more likely to face an accident from a left-hand turn being taken in front of them. Another example of cause for a potential claim may be if another driver forces a motorcyclist off the road.
Also, motorcycle crashes can be different than other motor vehicle wrecks is that they typically lead to more severe injuries. In car accident cases, there tend to be more muscular injuries, whereas, in motorcycle accidents, broken bones, brain injuries, and fatalities are more likely to occur. An experienced motorcycle accident attorney could review your case to how best to file an insurance claim based on your situation.
How a Motorcycle Wreck Could Impact Insurance Rates
Motorcycle accidents do not negatively impact a person’s insurance rates more than they would in another motor vehicle crash. The only factor that may influence insurance rates is fault. If a victim was at fault for a motorcycle accident due to their negligent driving, then their auto insurance rates might increase. If the courts do not find the accident victim responsible, their rates may not rise because they may not be categorized as an at-risk driver.
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Uninsured and Underinsured Motorist Coverage
Uninsured or underinsured motorist coverage protects individuals in the event of an accident with a driver who has insufficient insurance to cover the damages of an accident. Many people on the road today have minimum policies, which are $25,000 worth of insurance. However, sometimes drivers have no insurance on their vehicle at all. If a person has underinsured motorist coverage, they should be able to receive money to compensate for losses such as medical bills, lost wages, and pain and suffering even if the at-fault driver is not insured.
Uninsured motorist coverage is also critical in hit-and-run accidents. If a motorcyclist is involved in a hit and run and the police never find the at-fault party, then the only policy that a victim may have to recover from is their underinsured motorist coverage. The higher their coverage amounts, the higher their underinsured motorist coverage may be.
Anyone who is operating a motorcycle would be well-advised to purchase as much underinsured motorist coverage as possible as well as conversion coverage. Conversion coverage allows for the stacking of insurance policies. For example, the person hits them and has a $25,000 policy, and they have a $100,000 underinsured motorist policy. In a normal situation, only $75,000 in underinsured motorist coverage would be available.
With conversion coverage, that becomes 125 percent. The policies get added together instead of subtracted from one another.
What Motorcyclists Should Look for in an Insurance Plan
Motorcyclists should look for the maximum amount of insurance that they could buy, plus conversion coverage. Med Pay coverage is also vital, as it can pay a person’s medical bills regardless of fault. If they get a $2,000 emergency room bill, they do not have to wait around for the bill to come and does not go through their health insurance coverage. Instead, Med Pay is the one who will pay it out.
Riders should also consider adding full coverage to their policy. Full coverage is an insurance term that means there is coverage not only for liability and injury but for property damage as well. A well-versed attorney could review different policies with riders as well as help them file an insurance claim if they were involved in a motorcycle accident in Glastonbury.
Damages in a Motorcycle Accident
In an insurance claim for a Glastonbury motorcycle accident, an injured victim can claim damages such as medical bills, lost wages, other out of pocket expenses, and pain and suffering. Pain and suffering usually include intangible damages such as loss of sleep and immense pain and loss of enjoyment of life. For example, if somebody was an avid hiker and they were unable to hike after the accident, that could be included in the claim they make to the insurance company.
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Contact an Attorney to Learn More About Insurance Claims in a Glastonbury Motorcycle Crash
Filing a claim with your insurance company can be overwhelming, especially if you are recovering from a severe motorcyclist accident. Fortunately, you do not have to go through this process alone. A knowledgeable attorney could discuss Glastonbury motorcycle accident insurance claims with you and ensure that you get the most out of your insurance policy. Speak with a legal professional today if you were recently injured in a motorcycle accident and need help filing your claim.