Chariton Motorcycle Accident Injury Attorneys

Motorcycle injury lawyers become dedicated champions for riders when tragedy strikes. They focus on motorcycle accidents, skillfully handling legal complexities to secure justice and compensation for injured riders.

Motorcycle accidents can lead to severe injuries, significant medical bills, and complex legal battles. Understanding the nuances of motorcycle insurance, common injuries, and potential defenses against claims is essential for motorcyclists in Iowa. This guide consolidates crucial information about motorcycle accident claims to help you navigate the aftermath of an accident and secure the compensation you deserve.

Motorcycle Insurance Coverage in Iowa

In Iowa, motorcyclists must carry motorcycle insurance to comply with the Iowa Financial and Safety Responsibility Act. Without insurance, riders risk losing their licenses if pulled over. Moreover, uninsured bikers can be held responsible for the full cost of repairs and medical bills if they are at fault in an accident. Investing in comprehensive motorcycle insurance can save you thousands in the long run.

Key Coverage Options

1. Uninsured/Underinsured Motorist Coverage: Protects you if you're in an accident caused by a driver who lacks sufficient insurance.
2. Comprehensive Coverage: Covers damages from non-collision incidents like floods, fires, and vandalism.
3. Collision Coverage: Pays for repairs if you collide with another object.
4. Medical Expense Coverage: Covers medical expenses for you and your passengers, regardless of fault.
5. Roadside Assistance Coverage: Offers free towing and services if you have an accident, run out of gas, or experience a breakdown.

When Insurance Isn't Enough

Sometimes, insurance coverage may not fully cover the damages from a severe accident. In such cases, filing a personal injury lawsuit may be necessary to recover the total costs of your damages. Iowa law mandates filing a claim within two years of the accident.

Broken Bones from Motorcycle Accidents

Motorcycle accidents often result in broken bones, which can be extremely painful and expensive to treat. Commonly broken bones include ribs, collarbones, legs, arms, spine, and pelvis. The severity and location of the break can affect recovery time and potential long-term complications.

Symptoms of Broken Bones

- Intense pain
- Swelling and bruising
- Bleeding
- Limited mobility
- Numbness and tingling
- Visible deformities

Recovery and Complications

Treatment varies depending on the severity and location of the break. While some breaks may heal with immobilization, others might require surgery. Severe breaks, especially those involving the spine, can lead to permanent complications like paralysis. Post-traumatic arthritis is another possible long-term issue.

Pursuing Compensation

If another party's negligence caused your accident, you might be entitled to compensation for medical expenses, lost wages, and pain and suffering. It's crucial to act quickly, as Iowa law requires filing a claim within two years of the injury.

Defenses Against Motorcycle Accident Claims

1. Violation of Motorcycle Regulations: The defense may argue that you violated specific motorcycle laws, contributing to the accident.
2. Speeding: If you were speeding, it could reduce or negate your claim.
3. Driving While Impaired: Impairment due to drugs or alcohol can significantly impact your ability to recover damages.
4. Not Wearing a Helmet: Although not required by Iowa law, not wearing a helmet might be used against you if you suffer head or neck injuries.

Comparative Fault in Iowa

Iowa follows a modified comparative fault rule. If you are found to be more than 50% at fault for the accident, you cannot recover damages. If you are less than 50% at fault, your compensation will be reduced by your percentage of fault.

Consulting a Motorcycle Accident Attorney

The toll from severe motorcycle injuries can encompass substantial medical expenses and long-term care costs for victims and their families. Lost wages may compound matters, especially if employment becomes unrealistic for an extended period. Getting help from a motorcycle accident attorney allows the pursuit of comprehensive compensation, from financial damages and emotional distress such as pain and suffering.

Victims of these accidents should seek consultation with a motorcycle accident attorney, as damages may be extensive and recovery of compensation is important.

At Walker, Billingsley & Bair, our motorcycle accident attorneys can represent you in dealings with your insurance company, or when filing a personal injury claim. Set up your consultation now by calling 641-792-3595.