Decatur Motorcycle Insurance
Insurance claims and counterclaims often make up a significant portion of the financial recovery process after a serious motorcycle accident. Unfortunately, though, insurance companies are all too familiar with how to take advantage of policyholders still dealing with the effects of a severe crash, and all too willing to use those tactics in order to save themselves money.
Getting the most out of Decatur motorcycle accident insurance is generally a lot easier with help from an experienced motorcycle accident lawyer. With dedicated legal counsel by your side, your insurance company will think twice before trying to pressure you into an insufficient settlement offer, and you will likely have much better odds of negotiating for the compensation you need to cover all your injuries and losses.
Minimum Motorcycle Insurance Requirements and Recommended Policies
Everyone who owns and operates a motor vehicle in Georgia—whether it is a commuter car or a motorcycle—must maintain a minimum amount of liability insurance coverage that can help cover their own damages and damages to other individuals following an accident. Under current state law, the minimum amounts of motorcycle insurance a ride in Decatur must carry are as follows:
- $25,000 for a single person’s injuries or death
- $50,000 for total injuries and/or deaths in a single accident
- $25,000 for total property damage in a single accident
Operating a motorcycle without at least this minimum amount of coverage may result in the suspension or revocation of the operator’s motorcycle insurance, as well as an initial fine of $25 and—if the lapse in coverage is not fixed within 30 days—a subsequent fine of $160.
Given the immense risk of injury that motorcyclists face during accidents, though, it is almost always a good idea for riders to seek additional coverage beyond the minimum requirements set by state law. For example, collision and comprehensive insurance can respectively cover damage to a policyholder’s motorcycle caused by an accident or by other hazards like fire or theft, while uninsured/underinsured motorist coverage can be essential to comprehensive recovery if the party to blame for a motorcycle accident does not have enough insurance to cover all of a motorcyclist’s damages.
Getting a Fair Offer from an Insurance Company
Under Georgia’s “fault” car insurance system, individuals injured in motorcycle accidents caused by another party’s negligence have the option to immediately file suit against the negligent party for damages, rather than being forced to exhaust their own insurance coverage first. They can also or alternatively file a third-party claim with the at-fault individual’s insurance provider.
However, just like a civil court hearing a personal injury lawsuit would, insurance adjusters and representatives may require significant evidence of fault and of compensable losses before they will agree to a reasonable settlement amount—and as far too many injured claimants have unfortunately discovered, insurance companies often try every trick in the book to avoid liability for a wreck and minimize the amount they have to pay out after accidents. Representation from seasoned legal counsel is often crucial to ensuring these negotiations proceed smoothly and productively, and that an injured motorcyclist receives fair compensation for their damages.
Discuss Motorcycle Insurance Options with a Decatur Attorney
Deciding what kind of motorcycle insurance to get and how much coverage to pay for can be a complex calculation, especially since you have no way of knowing in advance what amount of coverage you may or may not need in the future. However, it is generally better to be safe than sorry when it comes to motorcycle accidents, so shelling out for extra coverage is almost always a good move for motorcyclists.
If you have any further questions about Decatur motorcycle insurance, a qualified motorcycle accident lawyer may be able to help find the best answers for your situation. Call today to learn more.