Understanding Motorcycle Insurance

Our experienced Tampa motorcycle accident lawyers can help you when dealing with insurance companies after an accident. A motorcycle accident case is not like a car accident case, and you may not be protected under certain personal injury coverage, which is why you must hire an experienced attorney as soon as possible. This article will help you in understanding motorcycle insurance and what mistakes to avoid when making a claim.

Understanding Motorcycle Insurance | PIP Coverage

Many people assume that a motorcycle accident case is going to be just like a car accident case. That is not true. One of the big differences between an automobile accident and a motorcycle accident is if you are riding on a motorcycle, you will generally not have personal injury protection coverage, also known as PIP. Generally, PIP covers 80% of the allowable amount of your medical bills and 60% of your gross wage loss up to a maximum of $10,000. The only way to get those bills covered is to bring a claim against the negligent party involved in the accident. However, that may be to your advantage.

Understanding Motorcycle Insurance | Comparative Negligence

Florida is a pure comparative negligence state. That means that, unlike some states, you can receive compensation even if you were more at fault than the other party. It truly is a lucky thing if you were fairly at fault for the accident. The only drawback is that for the amount you are determined to be at fault, your award will be reduced by that percentage. For example, if you were 80% at fault, you would only be able to get 20% at fault.

In most motorcycle cases, the other party is at fault for the accident due to there being a lack of awareness of motorcycles on the road. If a driver swerved into your lane, or made a left hand turn from the other side of the road and side-swiped you, you may be found at fault for none of the accident. Let’s say, however that you were only at fault for 10% of the accident. Because Florida is a pure comparative negligence state, you will be able to collect 90% of your award.

Understanding Motorcycle Insurance | Hiring a Lawyer

Getting the compensation you deserve will be impossible without an experienced lawyer who can guide you through this legal process. The insurance companies will try to get a statement from you early on. They will ask you questions that will put the blame on you. If they can get you to admit fault, they don’t have to compensate you for the accident. Our Tampa motorcycle accident lawyers will make sure they do not do that to you. We will fight to protect your rights.

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