If you’ve been injured in a motorcycle wreck, if you’re able, call 9-1-1 to report the accident. Police will come to the accident scene and file an accident report. While you’re waiting for the police, try and gather as much information from the accident scene as possible. Get the other party’s name, phone number, address, license plate number and make and model of their car. Also, take pictures of the accident scene, damage to your motorcycle, other vehicles involved, license plate numbers, and people involved in the accident. Only gather information and take pictures if you are able and it is safe to do so. Do NOT put your life at risk.
After the police have filed their report, please go to the doctor as soon as you can. That way, you can get treated for your injuries. If you feel that legal action is necessary, you should consult with a personal injury attorney. They will help you gather any evidence that will help your case. They will also make sure that the evidence isn’t destroyed.
In most situations, there is no Personal Injury Protection (PIP) or No-Fault Benefits to pay for the medical bills from the accident. PIP insurance is very expensive for motorcycles. Because of this, most riders choose not to purchase it. This means there is no money to help with medical bills unless you have health insurance. Also, many Uninsured Motorist and Underinsured Motorist policies have exclusions for two-wheeled vehicles. You should check with your insurance agent to see what your policy will cover in the event of an accident.
The insurance company of the person who hit you will pay to fix your motorcycle. If that insurance company challenges whose fault the accident is, they may not pay for your damages immediately. If this is the case, and you have collision coverage on your policy, you may want to turn to your insurance company. They will fix your motorcycle, but you'll have to pay your deductible. Your insurance company then would attempt to collect the deductible back from the at-fault party's insurance company.
While it’s hard to avoid every accident, there are ways to help reduce and prevent one. This is especially important for motorcyclists because they are completely exposed to their surroundings. If they are involved in an accident, their injuries could be devastating. Here are a few riding tips to keep in mind:
- Wear protective clothing, gear, and helmet while riding your motorcycle.
- Use signals to inform other motorists of what you are about to do, like making a turn.
- Avoid riding your motorcycle on uneven or rough roads or in bad weather conditions.
- Do not exceed the speed limit.
- Do not weave in and out of traffic.
- Never drink and ride.
- Do not tailgate other vehicles.
There are many factors that can cause an accident. These factors can be anything from debris on the road to drunk riding. Here are some potential causes of accidents:
- Faulty Equipment – Faulty equipment can spell disaster for a rider. Some common equipment failures include brake failure, tire failure, and chain or clutch cable failure. Make sure to get your motorcycle inspected regularly to help prevent faulty equipment accidents.
- Weather –Rain, snow or fog makes it extremely difficult for a rider to see the road and traffic. If the weather is too bad, find a safe place to pull over and wait until it is safe to ride.
- Road Hazards – Some road hazards such as road debris or potholes are not a big deal for cars, but they are for motorcyclists. They could cause your motorcycle to flip. Another hazard motorcyclists need to watch out for are animals, especially deer. Deer are very common here in Kentucky, so riders need to keep an eye out for them.
- Risky Behavior – Motorcycles are easier to maneuver and are smaller than a car. Because of this, some riders will weave in and out of traffic, speed and ignore traffic signals. These behaviors are dangerous. If a car doesn’t see you and you’re weaving in and out of traffic and are in their blind spot, they could hit you.
If you’ve been injured in a motorcycle accident, you need to get legal advice as soon as possible. You’ll want to make sure any evidence that will help your case can still be gathered, and you’ll want to make sure that the evidence is not destroyed. A motorcycle accident attorney can help you understand your case and Kentucky law. You want an attorney who cares about you. You'll find all that and much more in Mike Schafer, Bryan Meader, and The Schafer Law Office.
With Mike Schafer and Bryan Meader on your side, you’ll be in good hands. The Schafer Law Office has been helping personal injury victims get compensated for more than 25 years. Unlike big law firms who will have other people work on your case, Mike or Bryan is personally involved in every case.
The Schafer Law Office knows the challenges and pitfalls of personal injury cases (especially in Kentucky), all the tactics of the “other” side and how to best present the facts. They can handle the brutal tactics of the insurance companies. In fact, before Mike opened The Schafer Law Office in personal injury and accident law, Mike worked for an insurance defense firm. They really know all the tactics the insurance companies have up their sleeves.