An Experienced Albuquerque Motorcycle Accident Lawyer Clears Up Common Motorcycle Insurance Myths After an Accident
If you’ve been hurt in a motorcycle accident, an insurance settlement may be possible, but there are key details you need to know. Unfortunately, there are many myths about motorcycle insurance, but our Albuquerque motorcycle accident lawyer helps to dispel some of these. It’s critical to protect your rights and know your options after you’ve been hurt on a motorcycle. You can turn to the experienced motorcycle accident attorneys at Keller & Keller to get the facts and help you navigate the process.
Myth #1: Your Auto or Homeowner’s Policy Covers Your Motorcycle
Your standard automobile or other policy, such as your homeowners insurance, won’t cover your motorcycle. Even if you have multiple vehicles on your automobile policy, you must have a separate motorcycle insurance policy for your bike. New Mexico law requires minimum motorcycle insurance coverage.
Myth #2: You Don’t Need to Contact Your Insurance Company if You Weren’t at Fault in an Albuquerque Motorcycle Accident
Even if the other driver was solely at fault, it’s critical to report the incident to your own insurance company. They may be able to negotiate with the other driver’s insurance company to settle the claim. Additionally, your underinsured or uninsured motorist coverage may be part of your recovery.
Myth #3: You’ll Always Get Fair Compensation From an Insurance Company After a Motorcycle Accident
Your insurance company can help with the claim processes, potentially provide certain coverages, and negotiate with other insurance companies, but getting a fair settlement is not guaranteed. Because motorcycle accidents can be complex and it can be difficult to determine liability, it’s wise to work with an experienced Albuquerque motorcycle accident lawyer who can help you handle the process and fight for maximum compensation after the accident. While past results do not guarantee an outcome in your case, we encourage you to read about some of our New Mexico motorcycle accident client recoveries.
Myth #4: If You Weren’t at Fault, the Recovery Process Will Be Simple
While New Mexico is an at-fault state when it comes to vehicle accidents, meaning the person who is at fault is responsible for damages, that doesn’t necessarily guarantee that the process will be simple. Not only can it be challenging to prove liability, but you may encounter situations such as unfair bias against motorcycle drivers that could make the process more challenging. Although the legal process isn’t necessarily simple, working with an Albuquerque motorcycle accident lawyer can help protect your rights and give you a solid chance at a fair recovery.
Myth #5: Motorcycle Comprehensive and Collision Coverage Are the Same
Insurance terminology can be confusing, but comprehensive and collision coverage are not interchangeable. Collision insurance can help if your motorcycle is damaged in an incident with another vehicle. Comprehensive coverage provides insurance if your motorcycle is damaged by something other than another vehicle, such as a falling object, weather issues (such as hailstorm), theft, or vandalism for example.
Myth #6: You Will Not Get Any Compensation if You Were Partially at Fault in the Motorcycle Accident
Because of New Mexico’s comparative fault law, you may still be eligible for compensation even if you were partially responsible for the accident. An experienced Albuquerque motorcycle crash attorney can help you gather evidence, navigate the legal process, and get potential compensation for any injuries or damages caused by the negligent driver.
Myth #7: Health Insurance Will Cover All Medical Expenses Related to the Motorcycle Accident
You should seek medical assistance right away, but your health insurance will not cover all accident-related costs. Even if some of your medical expenses are covered, your health coverage will not include compensation for things like lost income, pain, suffering, and property damage.
