Motorcycle accidents are not more common than other types of vehicle accidents, but they tend to have more serious consequences for the person on the bike. Having an insurance company that will respond promptly and effectively is important even though it’s usually not the motorcyclist who is at fault in a collision. The coverage should include compensation when the at-fault driver is uninsured or does not carry enough liability coverage. A Motorcycle Insurance Claim can become very expensive, and the injured person may have to be off of work for an extended time. Even when the at-fault driver was fully insured, a settlement from the other insurance company may take a long time to negotiate. A motorcyclist needs to take all these considerations into account when choosing a policy.
Research published in 2013 found that drivers of cars and trucks are usually at fault in accidents involving motorcycles. A common problem is a failure to yield to the motorcyclist’s right of way. For instance, a driver might make a left turn in front of an oncoming bike or pull out onto a highway as one is approaching. That driver may never have seen the motorcycle because of not paying close enough attention.
Some states have no-fault laws in which a person who was injured in an accident caused by another driver can still have his or her own policy pay for expenses. Texas is not one of those states. When someone is injured and files a Motorcycle Insurance Claim, this person will probably need to rely on health insurance to pay for hospital bills and medical treatment. However, that won’t pay for lost wages. If the motorcycle was a total loss, the injured person should be able to get a check for the replacement value quickly from the at-fault driver’s insurer. That will provide at least some money to live on before this individual can return to work.
A company such as Insurance Offices Texas works with a wide variety of companies providing motorcycle insurance. That’s a significant advantage when trying to find the best possible coverage. Check out the website for more information. You can also follow them on Twitter for more updates.
