I have caused a motorcycle accident. What are my options?
If the motorcycle accident is your fault, either in whole or in part, then it may be a situation where you would be looking to your own insurance company to defend claims made against you.
If you have “Property Damage Liability Protection” then your insurance company would owe you a defense against claims made against you for damages to others.
If you have “Comprehensive” or “Collision” coverage then you would look to your own carrier to replace or repair your motorcycle under that coverage. If you have neither of these overages, you may be in a situation where you would have to either repair or replace the vehicles involved, or defend yourself in a lawsuit that may be filed against you for reimbursement in that regard.
It is important, therefore, that you purchase Liability, as well as Property Damage coverage with your motorcycle insurance company. The minimum Property Damage coverage allowed in California is $10,000.00. We would recommend that if possible you purchase much more than $10,000 in property damage liability protection.
We also recommend that you possess at least $100,000 per person/$300,000 per incident in Liability and Uninsured/Under-Insured Motorist coverage.
Even a relatively minor accident involving an expensive vehicle could easily wipe out minimal coverage, and multiple vehicle impacts occur every day where one vehicle is blamed for damage to several other vehicles. In these circumstances, if you only have the minimal coverage your insurance carrier may not have enough money to go around and you may have to contribute funds out of your own pocket in order to fix or replace all of the vehicles involved.
Also keep in mind that even if you’re partly at fault for an accident, you still may be able to pursue and obtain a settlement. California law has a concept known as “comparative fault”. Even if you’re partially, or comparatively, at fault for a collision, you may not be completely prevented from pursuing a claim.
The Law Offices of Edward A. Smith are experienced motorcycle accident attorneys expert in motorcyclist rules and regulations.
If you have been injured in a motorcycle accident that was not your fault, call us anytime for free, friendly advice. Sacramento 916.921.6400. Or Contact Us Online.