Winterset Motorcycle Accident Injury Attorneys

Motorcycle injury attorneys serve as unwavering champions for riders when tragedy strikes. With a focus on motorcycle accidents, they skillfully manage the legal system to ensure injured riders receive the justice and compensation they deserve.

Why are Motorcycle Crashes on the Rise? 

Motorcycle crashes have seen a significant increase over the past decade. More riders are on the roads, especially as motorcycles gain popularity among women. Despite motorcycles accounting for less than 1% of all vehicle miles in Iowa, they constitute a disproportionate share of traffic incidents, including 14% of fatalities and 16% of severe injuries each year. This comprehensive guide delves into the reasons behind the rise in motorcycle crashes, offers tips for protecting oneself and one's claim, explores the role of motorcycle insurance, and explains how to recover compensation for serious injuries.

The Rise in Motorcycle Crashes

August has historically been a particularly dangerous month for motorcycle riders. The increase in crashes can be attributed to several factors:

Increased Vulnerability

Motorcyclists are inherently more vulnerable on the road due to the lack of protective barriers. This vulnerability contributes to the higher percentage of severe injuries and fatalities compared to other vehicle types.

Misconceptions About Liability

There is a common misconception that if another driver is at fault in a motorcycle accident, their insurance will automatically cover all medical expenses and damages. However, the reality is often more complicated, necessitating a clear understanding of how to protect oneself and one's claim.

How to Protect Yourself and Your Claim

1. Seek Immediate Medical Treatment

If you are injured in a motorcycle accident, go to the emergency room or see your doctor immediately. Delaying treatment can worsen your injuries and harm your claim. Ensure you inform your medical providers about all your injuries and symptoms.

2. Avoid Settling Quickly

Insurance companies may offer quick settlements that seem tempting but often fall short of covering long-term medical costs and other expenses. Accepting a settlement and signing a release can prevent you from obtaining additional compensation later.

3. Do Not Provide Recorded Statements

Insurance adjusters are trained to use recorded statements to their advantage. Avoid giving a recorded statement and refrain from signing any forms without consulting an attorney, as this can provide insurers with information to use against you.

4. Keep Thorough Documentation

Maintain records of medical bills, work excuses, lost wages, police reports, and daily journal entries detailing your physical and emotional condition. Accurate documentation strengthens your claim.

5. Avoid Exaggerating Injuries

Be honest about your injuries. Exaggerating can undermine your credibility and reduce the value of your claim. Trust your medical records to reflect the severity of your injuries.

6. Consult an Experienced Injury Attorney

Before considering a settlement, speak with a qualified injury attorney. They can help you understand your rights, explore potential recovery sources, and address medical bill issues.

Motorcycle Insurance and Its Benefits

Minimum Liability Coverage

Iowa law requires motorcyclists to carry minimum liability insurance:
- $20,000 bodily injury per person
- $40,000 bodily injury per accident
- $15,000 property damage

Additional Coverage Options

While meeting minimum coverage requirements is essential, additional coverage can offer better financial protection. Options include:

- Medical Payments Coverage: Provides immediate coverage for medical costs regardless of fault.
- Uninsured/Underinsured Motorist Coverage: Protects against drivers who lack sufficient insurance, covering medical bills, lost earnings, and other expenses.

Impact on Motorcycle Accident Claims

Having adequate insurance coverage is crucial, especially in catastrophic accidents. For example, if a motorcyclist is hit by a drunk driver with only the minimum required insurance, their own underinsured motorist coverage can help cover excess medical bills.

In hit-and-run scenarios, uninsured motorist coverage can provide necessary compensation until the responsible driver is found.

Recovering Compensation for Disfiguring Injuries

Motorcycle accidents can result in severe, life-altering injuries. Victims are entitled to pursue compensation for various damages:

Types of Compensation

- Medical Bills and Long-Term Care: Covers hospitalization, caregivers, and physical therapy.
- Lost Earnings: Compensates for income lost due to the injury.
- Pain and Suffering: Addresses emotional distress and physical pain.
- Future Complications: Considers potential long-term issues related to the injury.

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.