Motorcycles are more prone to get into accidents than four-tire motor vehicles. According to Insurance Information Institute, in 2015, there were 88,000 motorcycle accidents injuries. Knowing your options as a passenger on a motorcycle involved in a motorcycle accident is important (Insurance Information Institute, Facts & Statistics: http://www.iii.org/fact-statistic/motorcycle-crashes). It is rather critical for the driver of a motorcycle to have proper motorcycle insurance.
Which Policy Does a Motorcycle Driver Need to Have?
Under California law, drivers of motorcycles must have an insurance policy that has passenger liability coverage. This means that the passengers in a motorcycle accident would be cover property damage and bodily injury caused by the driver. This coverage does not cover the damages of the driver.
Alongside, motorcycle rider may consider a policy that includes coverage from themselves also. An uninsured or underinsured motorist policy may be useful. For example, it might be useful when the driver at fault does not provide sufficient coverage to the motorcycle driver and passenger.
What Legal Actions Are Available for Motorcycle Accident Passengers?
The insurance of the motorcycle driver can be sued by the passenger for compensation for their injuries when the motorcycle was the only vehicle involved in the incident. The passenger could prove negligence in some cases. This is why the drivers are required to have a policy that will cover the passengers’ injuries. Although opening up a case of someone you know, possibly a friend or a loved one, might not be ideal, it is important to understand that you are not harming them or how much they pay. People can allow the insurance companies to do what they are paid to do.
What Are the Legal Actions If the Other Party Is Responsible?
Generally, a passenger can file insurance claims to both the motorcycle and other vehicles drivers the other driver is responsible, the passenger can go after the other driver’s insurance. If the driver’s insurance is not sufficient enough, then there might be other option.