A car accident can affect your motorcycle insurance in Georgia. Various factors, such as if you were at fault for the car accident, can affect your motorcycle insurance rates after an accident.
If you are worried about how your car accident will affect your motorcycle insurance, you can consult a car accident lawyer in Atlanta. They can also help you navigate a car insurance claim or personal injury lawsuit so that you can seek compensation for your injuries and losses.
Georgia’s Motorcycle Insurance Requirements
According to O.C.G.A. § 40-6-11 (2022), all motorcycle riders must carry insurance, just as a motor vehicle driver has to. The state’s minimum requirements for motorcycle liability coverage include:
- $25,000 for bodily injuries per person
- $50,000 for bodily injuries per accident
- $25,000 for property damage per accident
These minimums may seem like ample coverage, but in cases of severe accidents, a person’s losses can easily exceed them. Other optional coverage includes collision coverage, additional property damage coverage, and uninsured / underinsured motorist coverage (UM/UIM). While these optional coverages are not mandatory, they can go a long way toward covering your own losses.
Keep in mind that Georgia is an at-fault state, meaning that the at-fault diver has to cover the losses of the other party. If you are the at-fault driver, the other party’s losses may easily exceed your policy’s liability limits. Plus, if you do not have additional coverage for yourself, you will not be able to make a claim to cover your own losses.
For a free legal consultation, call 404-214-2001
A Car Accident in Georgia Can Affect Your Motorcycle Insurance Rates
Anytime you experience a car accident in Georgia, your insurance rates can be affected. This includes your motorcycle insurance rates. Specifically, you may see this take effect when you pay your premiums. There are several factors that insurance companies will take into account when raising your rates after a car accident.
For example, your insurer will look to see who was at fault for the car accident. If you were at fault or even shared a percentage of the fault for the accident, this can cause an increase in your motorcycle insurance policy. Other factors that insurance companies will take into consideration when adjusting your rates include:
- Your history of traffic citations
- Your age
- Your driving experience, including the number of accidents you were involved in, regardless of fault
- What you use your car or motorcycle for, such as rideshare services
How a Car Accident Lawyer Can Help
If you’re wondering how a recent car accident will affect your motorcycle insurance, it can help to discuss your accident with a personal injury lawyer. A personal injury attorney can help you with a claim or a lawsuit, and by doing so, they may also help mitigate the effect that your car accident has on your motorcycle insurance rates.
For example, if an insurance adjuster tries to shift more of the blame for the auto collision on to you, a lawyer can conduct an independent investigation and challenge an insurer’s determination of fault. This can accomplish two things: it will help you seek compensation for your car accident-related losses, and it can help keep your motorcycle insurance rates down.
A car accident lawyer can handle your entire case while you rest and focus on your health. Some of their legal services include:
- Gathering evidence of negligence, such as police reports and video footage of the collision
- Assessing your losses
- Communicating with the liable party, their insurer, and their legal representatives
- Filing all the necessary paperwork for your claim or lawsuit
- Negotiating for a fair settlement
- Representing you in a trial if necessary
Most personal injury law firms that handle car accident cases also have motorcycle accident lawyers who can help, as well.
Compensation a Car Accident Lawyer Can Pursue
Your car accident damages may warrant a variety of compensation. A car accident lawyer can pursue both economic and non-economic awards, such as:
- Medical expenses
- Pain and suffering
- Lost income from the time you had to take off work
- Reduced earning capacity if you cannot earn your pre-injury income
- Property damage
- Scarring and disfigurement
- Disability
A settlement or verdict can help you put your life back together after an accident. A car accident attorney can help with negotiations and prevent you from accepting an offer that would leave you footing the bill for your damages later. They can compile evidence to substantiate your claim, such as your medical bills and pay stubs.
You Can Afford to Hire a Car Accident Lawyer
If you are worried about an increase in your motorcycle insurance rates, you may also be hesitant about hiring legal representation for your car accident. It’s understandable to be concerned about finances after any type of collision, but you should know that many personal injury law firms take car accident cases on a contingency fee basis.
Instead of charging you up-front attorney fees or hourly rates, you simply agree to pay your attorney a percentage of your potential compensation, whether that is in the form of a settlement or a verdict. This allows accident victims to access the legal services that can help them seek compensation while also focusing on their physical recovery.
Click to contact our personal injury lawyers today
You Have a Filing Deadline to Meet for Your Car Accident Lawsuit
If you decide to take legal action after a car accident, you will have to file your personal injury lawsuit within Georgia’s statute of limitations. According to O.C.G.A § 9-3-33, you generally have two years to file. This doesn’t give your car accident attorney long to build a case, so the sooner you start, the better.
Complete a Free Case Evaluation form now
Call Kaine Law to Find Out How Your Car Accident Affects Your Motorcycle Insurance
A car accident gives rise to different financial concerns, including your motorcycle insurance rates. You can discuss how a car accident affects your motorcycle insurance with our personal injury lawyers at Kaine Law. We can handle either type of accident case for you.
Call us today for a free initial consultation.
Call or text 404-214-2001 or complete a Free Case Evaluation form
