Who covers the costs after a motorcycle crash?

On Behalf of | Mar 27, 2023 | Motor Vehicle Accidents

Motorcycles are a great option for transportation in Hawaii. With the exception of when it rains, people can anticipate riding motorcycles in relative safety all year round. They have room to maneuver around notorious blind curves on mountain roads and can even keep their fuel costs lower than those who are traveling in larger vehicles.

Unfortunately, motorcycle collisions are a major safety concern even when the person on the motorcycle does their best to stay safe. Motorcycles themselves typically do very little to protect someone during a crash, which means that an affected rider could suffer major injuries as a result of a collision.

Insurance can help pay someone’s bills

Every driver in Hawaii has to carry insurance. Motorcyclists need to carry liability insurance just like everyone else. The only difference is that motorcycle policies don’t have a requirement for personal injury protection (PIP) coverage. Most times, a motorcycle rider depends on the coverage of the other driver to pay their expenses.

Of course, $10,000 worth of property damage coverage may not pay to replace the motorcycle, and $20,000 in bodily injury coverage probably won’t be enough to cover major hospital bills and lost wages. Some riders add underinsured motorist protection to their policies so that their own coverage will supplement the policy that the other driver carries.

There are plenty of drivers who carry extra liability coverage, which could increase the compensation available for an injured motorcycle rider. However, people need to recognize that their claims will be subject to policy limits that may be far lower than their costs.  In some cases, they may need to consider going to court.

Personal injury claims can offer better reimbursement

Every insurance claim is subject to a policy limit, but personal injury claims can more closely reflect the actual losses someone suffers after a crack. Those who have the right support can potentially go to court and seek out compensation for all the losses their household suffered, including property damage losses and the full value of their wages and hospital bills.

Learning more about the options for compensation after a motorcycle crash may help people protect themselves and inspire them to seek adequate legal support after a wreck.