Motorcycle riders face uphill battles on several fronts. The traditional reputation of risk-takers and lawbreakers is hard to break, particularly when the media cover bad behavior by a few among thousands at major events like the Sturgis rally. There are also the movie and television characters portrayed as anti-heroes and outsiders, if not outright criminals.
This bias impacts other drivers and law enforcement, but also insurance carriers. They sometimes use this motorcyclists’ reputation as leverage for disputing, denying or undervaluing claims. The carrier may try to convince the adjuster, judge or jury that the claimant was a risk-taker for riding their bike. So they were behaving recklessly when the crash occurred, increasing their liability for the accident even when the other driver is at fault – partial liability attributed to the rider in causing their injuries means less compensation paid out by the other driver’s carrier.
Your carrier is not immune to this
It can even be a problem if a rider is injured in a single-vehicle accident. Perhaps the rider swerved to avoid an accident, or if an uninsured driver hits the motorcyclist, there may be instances where the rider’s carrier does want to step up and cover what could be fatal or life-threatening injuries.
The rider may be dealing with severe injuries, yet they still need to fight for their compensation. They can hopefully count on helpful witnesses to corroborate the rider’s story. It is also often essential to work with an attorney who has experience handling motorcycle accidents here in California. These legal professionals can help hold the responsible party’s insurance carriers accountable. It includes securing compensation to cover lost wages, future earning capacity, current and future medical expenses, and property damage involved in motorcycle crashes.