Pleasant Hill Motorcycle Accident Injury Attorneys

In times of misfortune, motorcycle injury lawyers become committed advocates for riders. Specializing in motorcycle accidents, they proficiently handle legal complexities to secure justice and compensation for the injured.

Why is Iowa’s Motorcycle Death Rate 10 Times Higher than the National Average?

Motorcycles in Iowa make up a mere 0.3% of all registered vehicles, approximately 1 in 333 vehicles, yet motorcycle deaths represent a staggering 16.7% of all fatalities on Iowa roadways. In 2023, 378 people were killed in motor vehicle accidents in Iowa, and of these, 63 were motorcycle riders. This stark statistic reveals that motorcycle riders in Iowa are 55 times more likely to be killed in a motor vehicle crash compared to other drivers. As of May 2, 2024, there have already been 11 motorcycle fatalities in the state.

Does Wearing a Helmet Help?

While Iowa does not mandate helmet use for motorcycle riders—making it one of only three states without such a law—understanding the impact of helmet use is crucial. Iowa did enforce a helmet law from September 1975 to July 1976, during which motorcycle deaths dropped by 40%. Despite the compelling data supporting helmet use, some argue that helmets can restrict visibility and hearing, potentially hindering a rider’s awareness. Ultimately, the decision to wear a helmet in Iowa remains a personal choice.

Training and Visibility: Key to Prevention

Training plays a critical role in reducing the risk of motorcycle accidents. Although no training can completely eliminate risk, it can significantly lower it. Rider error is the most common cause of single motorcycle accidents, often resulting from driving too fast, improper cornering, speeding, and driving under the influence of alcohol or drugs.

Basic training courses cover essential skills such as understanding the motorcycle, starting, riding in a straight line, shifting, and stopping. Advanced courses focus on situational awareness, risk evaluation, and evasive strategies. Additionally, visibility is crucial. Motorcycles are inherently hard to see, and distracted drivers only exacerbate this issue. Riders can increase their visibility by wearing brightly colored safety vests, always having their headlights on, or even attaching a flag to their motorcycle.

Steps to Take After a Motorcycle Crash

If you or a loved one is involved in a motorcycle crash, the first step is to determine the cause. In single-vehicle crashes, investigate potential causes such as defective parts, tire blowouts, or road hazards. If another driver is at fault, seek professional advice on dealing with insurance companies, medical providers, and property damage.

Handling Medical Bills

It’s important to understand that Iowa law requires drivers to have only $20,000 in insurance coverage for personal injuries, which is often insufficient to cover medical expenses from a severe accident. Using your health insurance to pay medical bills is generally the best option. If you lack health insurance, consider obtaining it promptly. Some hospitals may also write off medical bills for uninsured patients due to their not-for-profit status. Additionally, medical payments coverage on your motorcycle insurance can provide a small amount of money (usually $1,000 to $5,000) for medical bills.

Immediate Actions Post-Accident

1. Seek Medical Care Immediately: Ensure you receive immediate medical attention and document all injuries, as delayed treatment can weaken your case.
2. Keep Important Documents: Retain all medical records, accident reports, and other relevant documents. Maintain a journal to record how your injuries affect your daily life.
3. Be Honest About Your Injuries: Accurately report all injuries to your medical providers without exaggeration.

Dealing with Insurance Adjusters

Recorded Statements

Insurance adjusters often request recorded statements, but it’s rarely necessary and can potentially harm your case. If a statement is required, providing a non-recorded statement with preparation from your attorney is advisable.

Settlements

Avoid rushing into a settlement. Insurance companies may offer a quick settlement for a small amount, but it’s crucial to understand the full extent of your injuries and the potential costs before agreeing. Consult with an experienced injury attorney to ensure you receive fair compensation.

Rising Motorcycle Crashes: A Concerning Trend

Over the past decade, motorcycle injuries and fatalities have increased. Despite motorcycles accounting for less than 1% of vehicle miles in Iowa, they represent a disproportionate number of severe injuries and fatalities. Motorcyclists are highly vulnerable on the roads due to minimal protection. 

Protecting Yourself and Your Claim

1. Seek Immediate Treatment: Prompt medical attention is crucial for both health and legal claims.
2. Avoid Rushing Settlements: Understand the full scope of your injuries before settling.
3. Don’t Provide Recorded Statements: These can be used against you.
4. Document Everything: Keep thorough records of all medical treatments, lost wages, and accident-related details.
5. Be Honest About Your Injuries: Accurate medical records are essential for your case.
6. Consult an Experienced Attorney: Professional legal guidance can prevent costly mistakes.

The Role of Insurance for Iowa Motorcyclists

Iowa law requires minimum liability coverage, but these amounts are often insufficient in severe accidents. Riders can benefit from additional coverage like medical payments and uninsured/underinsured motorist coverage.

Importance of Comprehensive Insurance

Adequate insurance is vital for motorcyclists due to the catastrophic nature of many motorcycle accidents. For example, if a motorcyclist is struck by a drunk driver with minimal insurance, the rider’s underinsured motorist coverage can help cover additional expenses.

Uninsured and Underinsured Motorist Coverage

This coverage is crucial when the at-fault driver lacks sufficient insurance. It can cover medical bills, lost earnings, and other expenses. In hit-and-run cases, uninsured motorist coverage can provide essential financial support.

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.