York County Motorcycle Accident Insurance Claims
Motorcycle accidents could lead to serious injuries. The damage done to your body is only one aspect of the consequences of a crash, however. You could also find yourself facing mental and financial strain that can come with a major injury as well. Thankfully, you might be able to recover compensation or these damages through an insurance claim.
These insurance companies have not built their fortune on paying out every claim, however. In many cases, they will take active steps to deny your claim. This is true not only of the other motorist’s carrier but your insurance company as well. A hard-working attorney might be able to assist with your York County motorcycle accident insurance claims. Reach out to a skilled motorcycle accident attorney to discuss your case and legal options.
Motorcycle Insurance Requirements in York County
Every state requires some form of financial responsibility for motorcyclists. In York County, these requirements take the form of minimum liability insurance coverage. While riders are not capped on a maximum level of coverage they are allowed to carry, the state will not register a car without first seeing proof of minimum coverage.
Liability insurance provides coverage for third parties, not the insured driver. It exists to protect the insured driver from third-party claims based on the driver’s negligence. This insurance could make the difference between paying out of pocket for a third-party claim or not. The minimum insurance levels set by state law include:
- $25,000 for bodily injuries per person
- $50,000 for bodily injuries per accident
- $25,000 for property damage per accident
There is no requirement for riders to carry comprehensive coverage. This means if the other motorist involved in the crash is uninsured or underinsured, a rider could be on their own if they lack a comprehensive policy. These policies are typically offered by the same carriers that provide liability insurance.
Pursuing an Accident Claim in York County
The method of pursuing a liability claim against the other driver’s insurance carrier can be complex. For instance, a driver is required to inform their own insurance company of the accident even if they lack comprehensive coverage. This is in addition to filing a claim directly with the other driver’s carrier.
For injured motorists that carry comprehensive insurance, they can bypass dealing with the other driver’s carrier entirely. By filing a claim with their own insurance, they could obtain the compensation they need to cover their crash-related damages. The insurance company could go on to recoup the cost of paying your claim from the at-fault driver in a process known as subrogation.
In some cases, the other insurance company will deny a liability policy claim. This could occur because the other driver believes they are not at fault. It could also occur if that driver has refused to assist his or her insurance company in the investigation. Another issue that could arise is that an injured rider’s damages could be greater than the policy limits. In either of these cases, filing a lawsuit against the at-fault driver might become necessary.
Schedule a Consultation with a Motorcycle Accident Attorney
Whether your claim can be easily resolved or is destined to go to trial, a seasoned attorney could be invaluable throughout the process. Selecting an attorney with experience handling motorcycle injury claims could assist you in maximizing your recovery. Insurance companies will aggressively work to deny many claims. Call Schiller & Hamilton right away to ensure you get the benefits and compensation you need.