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 turn to your own insurance company.
If you have “Comprehensive” coverage then you would look to your own insurance to replace or repair your motorcycle under that coverage. If you don't have either of these coverages, you would have to either replace or repair the vehicles involved. You may also have to defend yourself in a lawsuit that is filed 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.
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 buy more than $10,000 in property damage liability protection.
We also recommend that you have at least $100,000 per person/$300,000 per incident in Liability and Uninsured/Under-Insured Motorist coverage.
An expensive vehicle that's involved in a minor accident could easily wipe out minimal coverage. Multiple car accidents happen daily where one car is blamed for damage to several other vehicles. In these circumstances, if you only have the minimum 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.
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