Insurance Claims in St. Louis County Motorcycle Accidents
Motorcycle accidents can result in devastating injuries that incur overwhelming medical costs. It can be difficult for an injured person to pay for all of their newfound expenses without filing an insurance claim, but it is important to note that insurance claims in St. Louis County motorcycle accidents function differently than in other motor vehicle crashes.
If you are facing severe injuries from a accident and are unsure how to deal with your insurance company or file a claim against the at-fault party’s insurance, an experienced motorcycle crash attorney could help you obtain the compensation you deserve and allow you to focus on your recovery.
Motorcycle Insurance Differs from Other Vehicle Insurance
There are several differences between motorcycle insurance claims and claims involving other vehicles like cars and trucks. The most significant difference is the injuries sustained in motorcycle accidents tend to be more severe than any other type of accident because of the lack of safety measures a motorcycle provides compared to other vehicles.
Additionally, there is also usually a considerable discrepancy between the amount of insurance that is typically available in crash cases when the at-fault party is not insured. Motorcycle insurance policies tend to provide lower policy limits than insurance policies involving cars or trucks. If an individual is in a motorcycle crash and the other driver does not have insurance, this can leave the injured party with less insurance for a far more significant injury.
For these reasons, it can be difficult for an injured motorcyclist to pursue an insurance claim after their accident, which is why the assistance of a skilled local attorney could be beneficial.
Factors Affecting Insurance Rates
Depending on the nature of an individual’s motorcycle crash, their insurance rates may go up. If the motorcyclist is not at fault for a crash, they should not expect their insurance rates to be negatively affected. However, if they are at fault for the crash and they were on a motorcycle, they can expect their insurance rates to rise much higher than if they were at fault in a car crash.
One reason for this comparatively steep rise is that motorcycle accidents are often caused by a biker violating the law in some way, such as by speeding or rapidly changing lanes. Multiple crashes on a motorcyclist’s record could also affect their insurance rate.
Uninsured and Underinsured Motorist Coverage
Uninsured motorist coverage is a type of insurance coverage that will cover a motorcyclist’s injuries if the at fault party does not have auto insurance. In the state of Missouri, every auto policy has uninsured motorist coverage of a minimum of $25,000. This applies even if an individual only has liability coverage.
Underinsured motorist coverage is an auto policy coverage that provides insurance for when the other driver in an accident does not have enough insurance to cover their injuries. An individual cannot use this in addition to uninsured motorist coverage, which is used when the other driver does not have any insurance. Underinsured motorist coverage only applies when the other driver’s policy has been exhausted and their full damages have not been paid. A knowledgeable lawyer in the area could explain the extent of the differences between these types of coverage and how they operate in St. Louis County motorcycle accident insurance claims.
A St. Louis County Attorney Could Aid Your Insurance Claim in a Motorcycle Accident
In the aftermath of a motorcycle accident, an injured person may find it difficult to navigate negotiations with insurance companies without the assistance of legal representation. If you are facing this situation, let a qualified St. Louis County lawyer handle your motorcycle accident insurance claim and give you peace of mind throughout your recovery process. Call today to schedule an initial consultation and discuss your case.