Navigating a Motorcycle Accident Claim With Multiple Vehicles
Accidents involving more than two vehicles can become complicated quickly. However, motorcycle accidents often face unique difficulties, as they tend to produce more severe injuries than accidents that only involve passenger vehicles.
Learn more about navigating a complex multi-vehicle motorcycle accident.
Comparative Negligence in Multi-Vehicle Accidents
Some states allow multiple parties to be partially at fault in an accident. As a result, the state in which your accident occurred can impact your process of determining fault.
Texas and New Mexico follow a comparative negligence policy for accidents. This policy allows the insurance company to assign a percentage of fault to all parties involved in the accident.
- New Mexico follows a pure comparative negligence policy, meaning that all parties involved in an accident can seek compensation as long as they were less than 99% at fault.
- Texas follows a modified comparative negligence policy, which means that parties cannot seek compensation if they were more than 50% at fault.
In either case, there’s a chance that the insurance company will try to pin some of the blame on you, even if you believe the accident was not in any way your fault. That’s why you need a seasoned biker accident attorney to help you prove that you were not negligent.
How Do Insurance Companies Determine Fault?
Insurance companies will assign a percentage of fault to all parties involved in the accident. They will first investigate the accident, collecting as much evidence as possible detailing the events leading to the crash.
Your motorcycle injury lawyer can help you provide evidence showing that you were not even 1% responsible for your crash. This evidence may include:
- Photos and videos of the accident scene
- Witness testimonies
- Police reports
- Damage analyses
- Dashcam footage
- Blackbox data (often available from commercial vehicles)
- Other drivers’ testimonies
You may need to submit insurance claims with multiple insurance companies if more than one driver was at fault. Your motorcycle crash legal counsel can help determine who to file your claim with.
Other Special Considerations for Multi-Vehicle Motorcycle Accidents
Motorcycle accidents involving multiple vehicles often result in devastating injuries. Motorcyclists don’t have the same physical protections as drivers in passenger vehicles, making them more vulnerable to serious injuries. However, accidents involving multiple parties could be even more severe for motorcyclists.
More severe injuries often equate to more expensive medical costs and more pain and suffering. If you were involved in a multi-vehicle accident, you may be unable to fully cover your expenses through an insurance claim. High-value claims like these may necessitate legal action to seek additional compensation.
Your motorcycle accident attorney can help you determine the value of your case, then compare it to the insurance policy you are filing the claim through. If you’re submitting claims with multiple drivers, you may have access to more funds than you would through a single policy.
If the insurance payout isn’t sufficient, your motorcycle collision lawyer can help you seek additional compensation through a lawsuit. You would have the opportunity to seek funds to cover:
- Medical bills
- Physical damage to your bike
- Time off work
- Loss of ability to work
- Pain and suffering
- Loss of quality of life
Consult a Motorcycle Crash Compensation Attorney
Our team at Fadduol, Cluff, Hardy & Conaway, P.C., can help you navigate a motorcycle accident claim involving multiple parties. Let our motorbike injury legal professionals guide you through the compensation process so you can focus on your recovery.