Minnesota Motorcycle Accident Claims
For some, riding a motorcycle is just an economical means of transportation. For others, it’s simply a recreational activity. But for many, it’s a passion and a way of life. Regardless of the reason people ride, because of the exposure to the rider, and the lack of safety mechanisms (seat belts, air bags, etc.), injury is much more likely on a motorcycle compared to an automobile.
According to a recent Insurance Information Institute study, motorcyclists were 27 times more likely than passenger car occupants to die in a crash per vehicle mile traveled, and almost five times more likely to be injured. Due to the higher risk associated with motorcycling, adequately protecting yourself and your passengers in case of an accident is extremely important.
The only insurance that is required to be carried on a motorcycle in Minnesota is liability insurance. Liability insurance only covers injury or property damage caused by the fault of the motorcycle driver to other persons or property. Coverage that actually protects the motorcycle driver (i.e., no-fault insurance, underinsured motorist insurance, and uninsured motorist coverage) are either not required or not available. Consequently, if a motorcyclist only carries the required liability insurance coverage, and they are in an accident caused by a driver that is uninsured, or who does not have adequate liability insurance coverage, they will have no other source of recovery for their injuries.
All motorcyclists should be sure to talk to their insurance agent to make sure they have the proper coverage to protect themselves in the event of an accident.
Motorcycle Safety Requirements
Motorcycle drivers and passengers under the age of 18, as well as those operating the motorcycle on a permit, are required to wear a helmet. Beyond that, there are no helmet requirements in Minnesota. However, all riders are required to wear protective eyewear, such as glasses, goggles, or a face shield on a helmet. Just using a windshield is not sufficient.
While not required, wearing a helmet can and will drastically decrease the risk of death or serious injury to a motorcyclist involved in a crash. According to the National Center for Statistics and Analysis of the National Highway Traffic Safety Administration, helmets are about 37% effective in preventing fatalities and 67% effective in preventing brain injuries. All motorcyclists and passengers should wear a helmet to decrease the risk of injury or death. Furthermore, modern design of helmets has evolved to the point where they are both protective and stylish.
Even the most experienced motorcyclists can be injured in an accident. If you wear a helmet and follow all the safety requirements and laws, a crash can still occur if there is simply a split second lack of focus by the operator, or the driver of another vehicle. In addition, riding at night increases the chances of encountering wildlife, road conditions, or other situations, which increase the potential risk of injury or death. Finally, although drinking alcohol may appear to be part of the culture of certain motorcycle riders, it goes without saying that the risk significantly increases with the use of alcohol or other intoxicating substances.
Whether your claim is large or small, at Nelson Personal Injury, we treat every client, like they are our only client. When you choose to work with us, you can be confident that your case is being handled by a competent, experienced and compassionate professional. Unlike some attorneys, we devote our entire practice to representing individuals who have been injured due to the negligence of another. For more than 30 years, our attorneys have been fighting for the rights of our clients. We have taken on the large insurance companies and have recovered millions of dollars in compensation for our clients. Beyond that, we strive to provide motorcycle accident victims with the peace of mind that comes from knowing that they have an experienced motorcycle accident attorney on their side.
If you’ve been injured in a motorcycle accident, our attorneys are here to help. We know that you will have many questions about your rights and the claim process, and we always take the time to explain the process and your rights to you. Complete the form below, or call us today to see how we can help you. All consultations with our experienced motorcycle accident attorneys are free and there is no obligation.