Riding a motorcycle is thrilling, but it comes with inherent risks. Unlike driving a car, motorcyclists have little protection in the event of an accident. That’s why protective gear, such as helmets, jackets, gloves, and boots, is essential for minimizing injury. However, what many riders might not realize is that the gear they wear can also play a significant role in the outcome of insurance claims following a motorcycle accident.
How Protective Gear Can Influence Insurance Settlements
Motorcycle accident claims hinge on many factors, including the extent of the injuries sustained. When an accident happens, insurance companies will assess your injuries, the damages, and how the accident occurred. They may also look at the safety gear you were wearing at the time.
Wearing appropriate protective gear can show that you took reasonable steps to mitigate injury, and a motorcycle accident lawyer can leverage this fact when building your case. For example, wearing a DOT-approved helmet can demonstrate that you made an effort to protect yourself in accordance with safety standards. This can work in your favor when filing an insurance claim, as it may limit the extent to which the insurer argues that your injuries were due to negligence on your part.
What Insurance Companies Consider In Motorcycle Accident Claims
When handling a motorcycle accident claim, insurance companies will evaluate several factors, including:
- The severity of your injuries: If you’re wearing protective gear, the severity of your injuries may be lessened, which could affect the payout. Conversely, not wearing gear might lead to more significant injuries, which could increase medical costs. Personal injury lawyers can fight for the maximum compensation that can cover medical expenses.
- The type of accident: How the accident occurred will be thoroughly investigated. Was it a rear-end collision? Did the driver fail to yield? Your protective gear might not affect liability directly, but it can still play a role in the extent of your injuries.
- Your history of safety practices: If you consistently wear appropriate protective gear, this can strengthen your case that you acted responsibly as a rider. Conversely, a history of unsafe riding habits might harm your claim.
It’s not uncommon for insurance adjusters to try and misrepresent the facts or the history of the victim to paint them in a negative light, but an attorney can prevent these tactics.
How A Motorcycle Accident Lawyer Can Help
If you’re involved in a motorcycle accident, it’s important to consult with a motorcycle accident lawyer who can help you navigate the claims process. Lawyers like those at Blaszkow Legal, PLLC understand how important the topic of protective gear can be in a motorcycle accident case. Protective gear can play a major role in the claims process, and having a lawyer on your side means your story is properly represented.
A lawyer can also help negotiate with insurance companies to ensure that they take your protective gear into account when evaluating your claim. With the right representation, you can increase your chances of receiving the full compensation you deserve, even in cases where your gear might be questioned. Discover what your legal options are by calling an attorney today
