Whether you call yourself a biker, a motorcyclist or simply say you ride, you know of the dangers on the road. How many times have you heard someone say â€œI just didnâ€™t see you!â€ or â€œYou came out of nowhere!â€...Like thatâ€™s possible. Unfortunately, many drivers out there are not as alert as they should be. And sometimes, that inattentive driver collides with you.
Whether you get rear-ended, in head-on collision, or an unsafe lane change into your lane, you on your motorcycle are more likely to be injured then anyone else. The injuries suffered by motorcyclists can be catastrophic resulting in brain injury, paralysis, dismemberment or even the ultimate injury: death.
1. I was in a traffic accident when a car turned left in front of me while I was riding my motorcycle. Who is at fault?
2. What does "comparative negligence" mean when determining who is liable for a traffic accident?
3. What is liability insurance?
4. What is Medical Payment insurance?
5. I have health insurance, do I need Medical Payment coverage?
6. What is no-fault insurance?
7. What should I do if I get into an accident?
Q: I was in a traffic accident when a car turned left in front of me while I was riding my motorcycle. Who is at fault?
A: A car making a left turn is almost always liable for a collision with a vehicle coming straight in the other direction. Exceptions to this near-automatic rule can apply if the vehicle going straight was going well over the speed limit, or ran a red light.
Q: What does "comparative negligence" mean when determining who is liable for a traffic accident?
A: Comparative negligence apportions fault among the drivers involved in an accident based on their degree of carelessness that contributed to the accident. Where a motorcycle is concerned, a common example of comparative negligence might be where the motorcycle's headlamp, brake light, or tail light is out, especially if the accident happened at night.
Q: What is liability insurance?
A: Liability insurance is intended to compensate another party if you cause an accident. In California, where we are headquartered, the minimum coverage is $15,000 per person and $30,000 per accident. This is to compensate another party for their medical expenses, lost wages, and property damage.
Q: What is Medical Payment insurance?
A: This form of insurance is intended to compensate you and your passengers for medical expenses arising from an accident involving your motorcycle, regardless of who is at fault.
Q: I have health insurance, do I need Medical Payment coverage?
A: Often your health insurance will dictate which doctors you can see, and which tests are permitted. With Medical Payment coverage, you are not limited by your health plan.
Q: What is no-fault insurance?
A: This type of insurance is not presently available in California. Other states permit this type of insurance as a way to reduce the number of lawsuits over who is at fault in an accident. If you are injured, you file a claim with your own insurance company regardless of who is at fault.
Q: What should I do if I get into an accident?
A: First, get the name, address and insurance information from all parties to the accident. Secondly, get to a doctor right away and tell your doctor about your injuries, whether visible or not. Thirdly, advise your insurance company of the accident. For a handy brochure, go to our Protecting Your Accident Case page and download our free brochure. Tuck into your favorite riding jacket or tank bag.
If you are injured, whether on your motorcycle, or in a car, truck, SUV through no fault of your own, you should contact us.
You can call our law firm at 1-800-338-5282, or go to our Contact Us page and fill in the simple form. We will respond shortly after we receive the email.