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Motorcycling through the roads of Rocky Mount could be a fun and exhilarating experience. Unfortunately, this method of transportation comes with significant risk. Depending on the severity of the accident, riders could suffer severe injury worthy of compensation if the accident was caused by the carelessness of another person.

To learn more about your eligibility for receiving compensation following an accident, reach out to a Rocky Mount motorcycle accident lawyer today. With an experienced attorney at your side, you could recover the total amount of damages owed to you.

Filing an Insurance Claim vs Filing a Civil Suit

An injured claimant might first seek compensation through auto insurance if they or the at-fault driver are covered under a policy. North Carolina is an at-fault state, allowing claimants to pursue three options for recourse. A Rocky Mount motorcycle accident lawyer could help claimants pursue each of these options. First, a claimant could file an insurance claim with their own policy. Second, claimants may file a claim against the at-fault driver’s insurance policy. And third, claimants may seek legal action against the at-fault driver to get a judgment.

A plaintiff could also file a lawsuit and seek economic, noneconomic, property, and punitive damages for legal relief to compensate them for their motorcycle accident. Noneconomic damages relate to emotional losses such as pain and suffering, while economic damages stem from monetary losses, which might include medical bills and lost wages. Punitive damages may only be awarded pursuant to North Carolina General Statutes §1D-1 if the defendant committed egregiously wrongful acts, and the court feels it is necessary to deter other defendants from committing similar acts.

Different Types of Motor Vehicle Insurance Coverage

North Carolina has minimum requirements regarding insurance coverage for both car owners and motorcycle owners. Those who own cars are required to have at least $25,000 in property damage coverage per accident that they cause. Car owners are also required to carry $30,000 in bodily injury liability per person injured in an accident caused by them, as well as $60,000 for total bodily injury liability for two or more people injured in an accident. Motorcycle operators are required by law to carry liability insurance, along with the same policy limits as car owners discussed above.

Owners of both cars and motorcycles may also get additional coverage such as:

  • Medical payments coverage
  • Collision coverage
  • Uninsured motorist coverage

Medical payments coverage compensates claimants for reasonable and necessary medical payments for themselves, their family members, passengers within the covered vehicle, or a pedestrian involved in an accident. Collision coverage pays for physical damage such as impact from another vehicle, falling object, fire, or theft. Uninsured coverage protects policyholders in accidents where an uninsured or underinsured at-fault driver causes an accident.

Ways That a Rocky Mount Motorcycle Accident Attorney Could Help

Fighting your own legal battle might not lead to the best results. It takes a large amount of time, money, and experience to handle complex personal injury claims, such as a motorcycle accident case.

You do not have to pursue your recovery on your own. An experienced Rocky Mount motorcycle accident lawyer could have your back. They could review your case, help you determine your options, and form an actionable strategy for your relief. Reach out and learn more about your potential claim for recovery by scheduling a consultation today.