How Are Collisions Involving Motorcycles Different than Other Accidents?
Motorcycle accidents are far too common in Kentucky with the most motorcycle wrecks occurring in Jefferson and Fayette Counties. In just June of 2018, a motorcyclist was killed in a crash after colliding into a truck. It was just one example of how horrific motorcycle accidents are. After that accident, the motorcyclist was pronounced dead at the scene, another very common occurrence after an accident involving a motorcycle because of the lack of the protections afforded to passenger vehicles with their protective cabins. The extent of injuries in these crashes, however, is just one way in which motorcycle accidents differ from accidents involving other types of vehicles.
Injuries in a Motorcycle Accident
The severity of the injuries is one of the main ways in which motorcycle accidents differ from other types of accidents. Motorcyclists have no protection between them and the road when they get into an accident. Other than some protective gear, and perhaps a helmet, which is not mandatory for all riders, motorcyclists often have no safety equipment.
This is vastly different than other vehicles that not only have a steel frame, but also airbags, seatbelts, and other features that help keep them safe. The lack of protection on motorcycles is the main reason why motorcyclists become so severely injured when they are involved in an accident.
Because of the lack of the safety features other vehicles have, motorcycle wrecks can cause spinal injury, head injury such as a fractured skull or swelling of the brain, leg and feet injuries are very common, biker arm, road rash, and injury to the spinal cord. These injuries can oftentimes become infected because of scraping against the road and other objects.
Insurance and Motorcycle Accidents
Another major difference between motorcycle accidents and accidents involving other types of vehicles is that motorcyclists are not required to carry personal injury protection (PIP) insurance. According to the Kentucky Department of Insurance, all other motorists in Kentucky are required to purchase at least a minimum amount of PIP insurance.
This can spell trouble for motorcyclists that are involved in an accident. PIP insurance is considered no-fault insurance in Kentucky. As such, after an accident each driver can go through their own insurance policy and get the compensation they need to treat their injuries and recover.
When motorcyclists choose not to purchase this type of insurance, as many do, they are left without protection in the event of a crash. In order to claim the full amount of compensation available, it is critical that all motorcyclists opt to purchase PIP insurance.
Bias and Motorcycle Accidents
Motorcyclists involved in an accident are treated much differently after the fact than other motorists. This is because motorcycles are often seen as being unnecessarily dangerous, even when that is not the case. When a motorcycle is involved in an accident, the insurance companies and attorneys for the defense will likely try to shift the blame onto the motorcyclist, even when they were not at fault for the accident.
While insurance companies will try to convince the motorcyclist there is no such bias, that is unfortunately not always true. It’s a perception other motorists don’t have to face, which means they may be treated more fairly after an accident.
Speak to a Kentucky Motorcycle Accident Attorney Who Can Help
Immediately following an accident, motorcyclists may think their accident case is no different than any other. That is not always the case, though. While insurance issues will still be a factor after an accident, they can become more complicated in motorcycle accidents, particularly if the motorcyclist did not have PIP insurance at the time. If you own a motorcycle, PIP is not automatically included in your insurance policy. You need to make sure you purchase PIP insurance to make sure the first $10,000.00 is covered automatically.
In addition, injuries can be much more severe than what’s seen after other types of auto accidents, and judges and juries may not be as inclined to award the motorcyclist compensation. These factors are just a few that show how motorcycle accidents differ from other types of auto accidents.
For these reasons, anyone injured in a motorcycle accident should contact the Morrin Law Office at (859) 358-0300. An experienced motorcycle accident lawyer in Kentucky will know these differences, and how to work around them in order to help injured individuals get back on their feet and on the road to recovery. If you have been injured in a motorcycle accident, call us today. We’ll start reviewing your case, so you can focus on moving forward and putting the terrible experience of a motorcycle accident behind you.