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Georgia Motorcycle Accident Attorney
Operating any type of motor vehicle can be dangerous because there are a lot of irresponsible drivers on the roadways, but some vehicles are inherently more dangerous than others. Motorcycles, for example, can be particularly dangerous because you do not have anything surrounding you to absorb an impact like you would if you were in a car.
Car vs Motorcycle Accidents
The body of the car provides protection to the car’s occupants and helps keep them inside, but a motorcycle does not afford that type of protection. When you are involved in a collision while riding a motorcycle, there is nothing separating you from the object you are impacting, and this can result in a very serious injury or even death.
The decision to ride a motorcycle comes with a lot of risks and dangers.
Common Motorcycle Accident Causes
If you do not choose to wear a helmet, these risks increase dramatically. No matter how safe you try to be, you cannot control the actions of other drivers. Motorcycles are much less visible than other types of vehicles. Although motorists may believe that they are doing a good job looking out for their surroundings, there are certain situations in which it may be very difficult to see a motorcycle.
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Motorcycle Accidents- Insurance Information.
Whether it’s through an insurance claim or lawsuit, our Marietta motorcycle accident lawyers prepare for everything, so you can get back to the life you had before the accident.
One of the most important reasons for contacting a personal injury attorney after your motorcycle accident is to make sure all available sources of insurance are located. Motorcycle accidents can result in very serious injuries or death because there is nothing surrounding a motorcycle rider to protect their body in a collision.
Common injuries in a motorcycle accident include severe road rash, scarring, broken bones, torn ligaments, and brain injuries. Because of the serious injuries that can result, your damages for medical bills, lost wages, and pain and suffering can be substantial. Unfortunately, many motorists lack sufficient insurance to cover all of the damages that they may cause when they negligently injure a motorcycle rider, and some do not have any insurance at all. This makes finding all of the insurance that can be used to pay for your damages one of the most important steps in the process of your injury claim.
There are a variety of sources of insurance in any motor vehicle accident, and motorcycle accidents are no different. The vehicle that caused the collision should have an insurance policy on it. In Georgia, the minimum required insurance limits are only $25,000 per person and $50,000 per occurrence for bodily injury.
These minimum requirements are insufficient to cover the serious injuries that normally result from a motorcycle accident. If the driver of the vehicle that caused the wreck did not own the vehicle he or she was driving, then there may be additional coverage that applies to the driver.
For example, the driver may have their own insurance policy that covers them while driving the car they were in at the time of the collision. It is also important to determine whether the driver was working at the time because employers are liable for any negligent acts that their employees commit in the course and scope of their employment.
In addition to liability insurance that may provide coverage for the at-fault driver, the injured motorcyclist may be entitled to uninsured motorist coverage, which is commonly referred to as UM. In Georgia, UM applies to cover an injured motorist’s damages if the at-fault driver either has no insurance or not enough insurance to pay all of the damages. The insurance policy for the motorcycle may have UM coverage. Additionally, because many motorcycles are second vehicles, the injured motorcyclist may have other vehicles with insurance policies that contain UM coverage. The UM policies for those additional vehicles may be available for your motorcycle accident, even if you were not operating any of those other vehicles. You may also be entitled to UM coverage for any motor vehicle insurance policies issued to any relatives who you reside with.
Last, medical payments coverage, or med pay as it commonly referred to, is a type of insurance coverage on your own insurance policy that can be used to pay medical bills for you and anyone on your motorcycle at the time of an accident. Med pay is basically like health insurance for you and your vehicle’s occupants in the event of an accident. It applies regardless of fault, which means it can be used to pay your medical bills even if you were at fault.
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