Types of Insurance for NC Motorcycle Accidents

Human Hand In A Motorcycle

If you or a loved one were injured in a motorcycle or moped wreck, there are many legal and financial issues to sort out. One of the first steps is to determine under which insurance policy or policies you or your loved one may be able to recover.

When a motorcycle or moped is hit by a car or truck, this entitles the victim to assert a claim against the at-fault driver’s automobile insurance policy. In North Carolina, each automobile is required to have at least $30,000 in liability coverage for bodily injury claims. But what if the driver does not have any insurance? Also, what happens if the damage exceeds the $30,000 policy limit? In these scenarios, the injured motorcyclist may have other avenues of recovery available. For example, the motorcyclist may be able to recover damage from his or her own motorcycle or automobile insurer under the Uninsured or Underinsured Motorist coverage.

If, however, the motorcycle wreck occurred due to an unsafe road condition, you or your NC motorcycle accident lawyer will have to find out who is responsible for maintaining the road or railroad track where the wreck occurred. Negotiating payment from a government agency can be challenging, and you may face an uphill battle filled with traps for the unwary. Therefore, it is highly recommended for you to seek legal representation before proceeding against a government agency for compensation. For wrecks occurring on state-maintained highways, the claim may be covered under the North Carolina State Tort Claims Act, and recovery may be capped at $1,000,000.00.

If you or a loved one have questions about a motorcycle or moped accident, contact our dedicated motorcycle accident lawyers for a free consultation. As an avid motorcycle rider with years of riding experience, our motorcycle accident attorney is uniquely positioned to pursue your motorcycle accident claim. We are passionate about protecting the rights of fellow riders.