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My Motorcycle Was Totaled in an Accident. Will My Insurance Replace My Bike?

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Jarod Cassidy2 months ago

Depending on the type of insurance coverage you have, you may have the ability to get your motorcycle replaced after it is totaled in an accident. However, if your accident was someone else’s fault, Texas law allows you to pursue the fair market value of your bike from that individual’s or company’s insurance.

How Common Are Motorcycle Accidents?

According to the National Highway Traffic Safety Administration (NHTSA), 4,976 motorcyclists were killed in motor vehicle traffic accidents in 2015. This marked an 8% increase from the number of fatalities recorded in 2014.

Additionally, 88,000 people sustained injuries in motorcycle accidents in 2015, marking a slight decrease from the 92,000 injuries reported in 2014.

While motorcycles only account for 3% of all registered vehicles on the road, motorcyclists account for 14% of all traffic-related fatalities. This is due to the limited protection offered by a motorcycle in the event of a collision.

Texas reported the third highest motorcyclist fatalities of any state in 2014 with 443 deaths. Texas fell behind Florida with 616 deaths and California with 462 deaths.

What Are Common Causes of Motorcycle Accidents?

  • Speeding
    • Speeding motorists can mistake how fast a motorcycle is traveling, resulting in a rear end accident.
  • Objects/items in the roadway
    • Hazards that pose a minimal risk to automobiles can be major threats for motorcyclists. Potholes, uneven pavement, debris or objects in the road (like tire treads, things fallen from trucks, branches, or rocks) can quickly cause an accident.
    • When commercial motor vehicles, such as semi-trucks, fail to properly secure their load, objects can fall onto the roadways. Motorcyclists are especially vulnerable to items in the road when traveling at high speeds.
  • Motorists not seeing the motorcycle
    • Because motorcycles are smaller and more easily hidden by objects on or off the road, other vehicles are less likely to see them.
    • Many automobile drivers claim they “never saw” the motorcycle before a collision.
  • Mechanical issues
    • A defect in a motorcycle’s design or manufacturing can easily cause an accident; this could be the basis for a product liability case.

What Are Common Injuries Suffered in Motorcycle Accidents?

Motorcyclists do not benefit from the protection and safety features enclosed passenger vehicles provide – so, when a crash does occur, the results are often catastrophic. The resulting injuries can lead to permanent damage and disability, astronomical medical bills, loss of wages, and a lower quality of life.

Among the most common injuries sustained by motorcyclists involved in a crash are:

When these injuries and damages are the result of someone else’s negligence, motorcyclists can file a personal injury lawsuit. By hiring an attorney, you are ensuring that you stand the best chance of receiving the compensation and justice you deserve.

Contact an Experienced Motorcycle Accident Attorney

Thomas J. Henry Injury Attorneys are committed to fighting for the rights of motorcycle injury victims and work to make sure that the person responsible pays for the pain he/she caused.

Because we understand that being injured in a motorcycle accident causes lifetime pain and suffering, we put constant pressure on the insurance company and driver involved to ensure you receive the maximum monetary compensation you deserve. If you or someone you love was injured in a motorcycle accident, contact our offices. We are available 24/7, nights and weekends and we represent clients/victims all over the country.



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