If you or a loved one ride or own a motorcycle, then you know how exciting they can be. You also know that there are risks each time you hit the road. Motorcyclists are more vulnerable to injuries in the event of a collision, whether with another motorcycle, a passenger vehicle, or something larger. If you have been involved in a Georgia motorcycle accident, you need to know whether you can use car insurance for any damages or injuries.
The answer is going to be yes in most motorcycle crash incidents. Car insurance is going to be available to you to cover your expenses, but that does not mean it will be easy to secure. You should contact a knowledgeable and experienced Georgia motorcycle accident lawyer to help you through this process.
What if the other driver is at fault in a Georgia motorcycle accident?
The Governor’s Office of Highway Safety tells us that there were almost 400,000 vehicle crashes during the last full reporting year. Out of those, we know that there were 172 motorcyclist fatalities and many more injuries. It is not a secret that motorcyclists are vulnerable on the roadways of Georgia.
Many people think that motorcyclists are at fault in most motorcycle accidents in Georgia. However, that is not the case. In most circumstances, a careless or negligent driver is at fault in a motorcycle accident. All too often, we see these incidents happen due to:
- Driver inattention: most drivers look out for other cars, leading them to not see motorcycles around them or in their blind spot.
- Following too closely: driver often follow motorcyclists much too closely. This can lead to them rear-ending a motorcyclist if the cyclist must stop quickly.
- Failure to yield: both vehicle drivers and motorcyclists need to be aware of their responsibilities on the roadway.
- Alcohol or drug impairment: drivers under the influence of a substance are much more likely to crash into motorcyclists can cause serious injuries.
It is important for every driver to recognize that motorcycles are vehicles that have the same rights and responsibilities on the roadway as any other vehicle.
Which insurance will cover a motorcycle accident in Georgia?
If another driver is at fault in a motorcycle crash, their insurance is going to be on the line for the expenses. The at-fault driver’s bodily injury liability insurance is going to be the primary source of coverage. This will require you or your attorney file a claim with their insurance company.
However, this does not mean that all expenses will be covered. Drivers in Georgia are only required to carry $25,000 in bodily liability insurance. They may have more coverage, but if they do not, you may be able to use your own insurance.
Do you have uninsured or underinsured motorist coverage (UM)?
If so, you can use this if the at-fault driver’s coverage is inadequate to cover your expenses. UM can also be used if you have been injured in a hit-and-run incident.
What can you do after a Georgia motorcycle accident?
Motorcycle crashes are scary, and the aftermath can be confusing. If you or a loved one have been injured in a motorcycle crash caused by another driver, you need to act quickly. Seek medical attention for any injuries and then call an attorney.
A skilled Georgia motorcycle accident attorney is going to get to work immediately on reviewing incident reports, speaking to witnesses, and gathering any evidence available to help your case. The goal is to ensure that you get the compensation you need for all of your crash-related expenses. The insurance companies will not make this easy, but a skilled attorney will negotiate on your behalf.