Motorcycle vs. Car Accident Claims: How Do They Differ?

Motorcycle and car accidents, while both involving vehicles on the road, lead to distinctly different legal and personal challenges when pursuing a personal injury claim in New Jersey. Understanding the nuances between these two types of cases, from the severity of injuries and the applicable laws ot the inherent biases faced by motorcyclists, is crucial for anyone seeking fair compensation for their damages. Please continue reading as we explore the unique hurdles inherent in navigating a motorcycle accident case compared to a standard car crash claim, as well as the importance of connecting with an experienced Morris County Motorcycle Accident Attorney for guidance.

How Are Motorcycle Claims Different from Car Accident Cases in New Jersey?

Motorcycles offer an exhilarating way to travel and can be a more economical transportation choice. However, the inherent vulnerability of motorcycles compared to cars significantly heightens the complexity and severity of accident claims. This is due to several factors, including:

• Motorcycles are less visible
• Motorcyclists lack protection
• Motorcyclists suffer more serious injuries
• Motorcycle claims are higher
• Insurers and jurors can be prejudiced against motorcycle riders

In New Jersey, it is important to understand that motorcyclists are excluded from Personal Injury Protection (PIP) coverage. PIP is a no-fault insurance component typically covering the medical expenses and lost wages of injured motorists following an accident. Consequently, without PIP, motorcyclists must rely on alternative methods to cover their costs, such as existing personal health insurance or recovering damages directly from the at-fault party.

What Should I Do If I’m Injured in a Motorcycle Accident?

Following a motorcycle accident, you should prioritize safety and immediate medical attention. Even if you feel fine, you must dial 911 and let EMS check you; adrenaline can mask serious injuries. Prompt medical care protects your health and creates a vital record of the incident. Ensure the police file an accident report, a crucial piece of evidence. Stick only to known facts and avoid guessing about faults or details.

If able, document the scene before vehicles move: take photos/videos of the bike, other vehicles, road conditions, debris, and injuries. Collect contact information and insurance information from the driver, plus contact information from any witnesses who may be able to corroborate your claim.

You should continue medical follow-up even for mild symptoms. Keep all records and journal your pain, limitations, and missed work to document your damages. Notify your insurer promptly. Given a factual account, avoid any admission of fault or speculation. You do not have ot give the other driver’s insurer a recorded statement immediately.

Given that motorcycle injuries are often severe and fault disputes are common, consider hiring an attorney quickly. An attorney can help preserve evidence and handle insurer communications to prevent your claim from being undercut. Don’t hesitate to seek help out of fear of blame. At Lutz Injury Law, we are prepared to help you fight for the justice you deserve.