Motorcycle riders tend to be acutely aware of their risks out on the road. They understand that other drivers may fail to look for them and that their vehicles don’t offer much protection should a crash occur.
Even when motorcycle riders invest in the best safety gear, they can still sustain significant injuries in collisions caused by other people. When a larger vehicle strikes a motorcycle, there may be major expenses to address. The motorcycle may no longer be safe to ride, and its occupant may require emergency medical care.
Frequently, motorcycle riders must go to court to recoup their losses. Why is civil litigation often necessary even though liability insurance is mandatory?
Basic coverage isn’t enough for motorcycle crash costs
Although the law requires liability insurance, some drivers don’t carry a policy as they should. Many others have insurance but only what the law mandates. Those people could end up involved in crashes with motorcycles that put the rider in the hospital.
If the driver has minimal but legally-compliant insurance coverage, the policy may not be able to cover their hospital bills. A mere $30,000 worth of bodily injury liability coverage may not be enough to pay for emergency trauma care expenses. That same coverage should theoretically pay for a professional’s lost wages. Additionally, the $15,000 in mandatory property damage coverage may not be enough to replace a motorcycle if it is a total loss after a collision.
Those trying to limit their losses and hold drivers accountable often need to file lawsuits, given the major expenses generated by motorcycle collisions. Reviewing current losses and estimating future losses can help people evaluate their options after a crash.
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