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How Do Insurance Companies Decide On Motorcycle Accident Compensation?

September 21, 2017

If you’ve been involved in a motorcycle accident, and you’re waiting to find out how much you’ll be compensated for your injuries and the damages your bike received, then you’re likely wondering how an insurance company comes up with a final number.

There aren’t too many differences between how an insurance company treats a motorcycle accident, compared to a car accident, but there are some big differences from state to state. For instance, some states have no-fault car insurance laws, which changes how an accident is handled by the insurance companies.

An experienced Austin motorcycle accident attorney, like Fears Nachawati, will make sure that all the factors that go into that final decision are maximized in the victim’s favor.

Motorcycle Accident Compensation For Different Areas

A good motorcycle accident attorney needs to prove that the defendant was reckless or inattentive, which caused the injuries and damage to his client. Here are three main factors an insurance company will consider when deriving a final compensation number.

Motorcycle Damage Compensation

The insurance for the person at fault will be responsible for fixing the plaintiff’s damaged vehicle, whether it’s a car or a motorcycle. If a motorcycle was hit by a car, there’s a great chance the bike was totaled, which means the replacement cost is based on the depreciation of the bike (not the price of a new one). That means the motorcycle driver probably won’t receive enough money in compensation to buy a replacement bike.

Compensation Factors For Injuries

Payment for your injuries is negotiated separately from your vehicle’s damage. The total compensation for your injuries will be a compilation of all of your medical bills, how much you lost in wages while you weren’t working, and the extent of your injuries in the medical reports. That makes the medical reports of utmost importance.

Pain and Suffering Compensation

Finally, aside from your injuries and your property damage, being compensated for all the trouble you’ve been put through for something that has been determined not to be your fault – your pain and suffering. This includes what you’ve already gone through, as well as what future problems you’ll have as a result of this accident. Being compensated for this means possibly being paid for any future medical treatments you might need, permanent disfigurement (including scars) and residual problems like post-treatment pain.

Come talk to Fears Nachawati if you’re in need of an Austin motorcycle accident attorney. Either call them at (512) 535-2206, or come down to their Austin offices on Congress Avenue to discuss your case. You can also visit their other Texas offices in Dallas, Fort Worth, Houston and San Antonio, as well as their Denver and Tampa offices.


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