If you are involved in a Mesa motorcycle accident, your potential losses could be staggering. Many motorbike wrecks lead to serious injuries that could take months to heal. In addition to the physical burden of recovering from these injuries, there are also substantial financial expenses. This could include your medical bills, lost wages, and motorcycle repair expenses.
Depending on your insurance coverage, a claim could cover your losses. However, the claims process is not always simple. Your insurance provider could reject your claim, even if they are not justified. A skilled attorney could not only explain the Mesa motorcycle accident insurance claims process but also assist you with filing a claim on your own.
According to state law, every motorized vehicle that drives on the roadways of Mesa must carry a minimum level of liability insurance coverage. Operators of cars, trucks, and motorcycles must abide by this requirement. Additionally, insurance coverage must be purchased from a company authorized to do business in the state.
Liability insurance protects a rider from third party claims should they cause an accident. These policies not only protect the rider by paying for these third party claims, but they typically provide the biker with legal representation as well.
While these insurance minimums will satisfy Arizona law, many motorcycle riders opt for additional coverage to ensure they are fully protected in a crash. The minimum coverage requirements are:
These policies only cover the claims of other motorists made against the insured rider. Should a rider suffer damages in the crash, they will not compensate the rider. Fortunately, there are other types of insurance policies a biker could obtain to ensure they are fully compensated for all their losses.
Comprehensive insurance is another option for motorcyclists in Mesa. These policies are more robust than liability insurance. They provide coverage not only against third-party claims but also for the insured rider’s losses.
Another type of policy that could cover an insured rider is known as uninsured motorist coverage. These policies only kick in when the at-fault party lacks the insurance necessary to pay for a claim.
In some cases, insurance coverage alone will not cover all of the damages resulting from a motorcycle accident. For Mesa motorcycle riders without comprehensive insurance, a lawsuit against the at-fault driver might be necessary to cover their expenses.
Litigation could also be necessary if insurance limits do not cover all of a rider’s losses. When this occurs, a rider might pursue a lawsuit against the other driver for the damages the insurance policy will not cover.
After suffering a motorcycle accident injury, you should speak with an attorney about filing an insurance claim. If you have the appropriate coverage, this claim could provide compensation for all your accident-related losses.
However, dealing with insurance companies can be complicated. Mistakes could result in you not being fully compensated. Schedule a consultation with one of our attorneys right away to learn how we could help you.