Lamoni Motorcycle Accident Injury Attorneys

Motorcycle injury lawyers stand as resolute supporters for riders when disaster strikes. Their expertise in motorcycle accidents allows them to navigate legal intricacies and secure justice and compensation for the injured.

Filing a Motorcycle Accident Claim as a Passenger

Motorcycle accident victims who were passengers on a friend’s bike can file an injury claim against the at-fault party. Depending on the specifics of the accident, the claim might be filed under the motorcyclist’s insurance policy or against another party, such as the driver of a passenger vehicle. The determination of fault and available coverage will guide the claim process.

Minimum Motorcycle Insurance in Iowa

When the motorcycle driver is at fault, their insurance might cover the injured passenger's damages. If another party is responsible, the passenger can file a claim against that party’s insurance company. Iowa law requires motorcyclists to carry a minimum of:
- $20,000 in bodily injury liability for one person.
- $40,000 bodily injury liability for all injuries in one accident.
- $15,000 for property damage.

Many motorcyclists and motorists choose to carry higher coverage. Some may also have medical payments coverage, which pays for medical care costs regardless of fault. Passengers may initially use their own coverage to cover costs before recovering compensation from the at-fault party.

When Insurance Coverage Isn’t Enough

Sometimes, the at-fault party’s insurance coverage isn't sufficient. For example, if a driver runs a red light and crashes into a motorcycle, injuring both the passenger and the motorcyclist, the minimum coverage may not cover all damages. In such cases, filing a lawsuit against the at-fault party may be necessary. While minor claims might be handled without an attorney, lawsuits typically require legal representation.

Damages Recoverable by a Passenger in a Motorcycle Accident

Motorcycle accident victims often suffer severe injuries. Recoverable damages may include:
- Medical and hospital costs: Associated with the injuries.
- Lost earnings: If the passenger cannot work due to the injuries.
- Pain and suffering: For physical and emotional distress.
- Disability: If the injuries cause long-term impairment.

The Rise in Motorcycle Crashes

Over the past decade, the number of motorcycle riders injured or killed has increased. August is historically one of the worst months for motorcycle riders. While motorcycles account for less than 1% of all vehicle miles in Iowa, they represent a significant percentage of severe injuries and fatalities. 

Vulnerability of Motorcyclists

Motorcyclists are particularly vulnerable due to minimal protection. After an accident, it’s crucial for injured riders to know how to manage medical treatment and insurance claims. Misconceptions about insurance coverage can lead to challenges in receiving compensation for medical bills and expenses.

Protecting Yourself and Your Claim

1. Seek treatment immediately: Ensure all injuries are documented.
2. Don’t rush to settle: Initial offers may not cover long-term costs.
3. Avoid giving recorded statements: Insurance adjusters may use them against you.
4. Document everything: Keep records of medical bills, lost wages, and daily pain levels.
5. Never exaggerate injuries: Accurate medical records are essential.
6. Consult an attorney: Before settling, get professional legal advice.

Compensation for Disfiguring Injuries in Motorcycle Accidents

Riding a motorcycle comes with inherent risks, particularly due to the aggressive or poor driving of other motorists. Despite following safety rules and wearing helmets, accidents can still result in severe injuries or disfigurement.

Insurance and Third-Party Liability Claims

Having comprehensive coverage is essential. In accidents involving other vehicles, victims may file third-party claims against the other driver’s liability insurance. If injured due to weather conditions or driver error, victims can seek compensation through their motorcycle insurance.

Importance of Hiring an Attorney

After a serious accident, it's critical to speak with an attorney before settling with an insurance company. Quick settlements offered by insurance companies may not be in the victim's best interest. An experienced attorney can help secure appropriate compensation for medical bills, long-term care, lost earnings, and pain and suffering.

Types of Compensation

Victims may be eligible for:
- Medical bills: Including hospitalization and long-term care.
- Physical therapy: And other rehabilitation services.
- Lost earnings: For both current and future loss of income.
- Pain and suffering: For physical and emotional distress.

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.