Motorcycle accidents can have tragic consequences and cause fatal and permanently disabling injuries. Motorcyclists are particularly vulnerable in an accident since they do not have the protection of an enclosed vehicle. The National Highway Traffic Safety Administration (NHTSA) recognizes this and recommends that cyclists wear the appropriate gear, such as helmets and visible clothing, to be as safe as possible. However, motorcyclists who do everything right can still end up in a horrific accident due to no fault of their own. Motorcycle accident injuries can leave a victim with catastrophic physical, emotional, and financial harm. However, if someone else’s negligence is responsible for your motorcycle accident, they may be legally responsible for compensating you for any of your injuries and financial losses.
Motorcycle Accident Injuries
Injuries in serious motorcycle accidents can be catastrophic for the motorcycle rider, especially if they end up ejected from their seat or under the wheels of another vehicle. However, even in a minor accident, a motorcyclist without a helmet and protective gear could suffer significant head trauma or other life-threatening injuries. According to the National Center for Biotechnology Information (NCBI), motorcyclists often suffer from lower extremity, abdominal, and chest injuries due to accidents. Injuries in motorcycle accidents can also include:Road Rash
Motorcyclists can suffer from mild or serious road rash when their skin scrapes the road. While road rash can be harmless, serious cases involving the removal of several layers of the skin may require surgeries and skin grafting.Head and Brain Injuries
Severe head trauma can cause fatalities in motorcycle accidents. Survivors may never be able to lead independent lives again. Traumatic Brain Injuries (TBI), for example, can cause debilitating complications such as long-lasting cognitive problems, seizures, and pain. Head and brain injuries from a motorcycle accident may need expensive medical treatments and rehabilitative therapies for months or even years.Bone Fractures or Breaks
Complicated fractures and completely shattered bones can require multiple surgeries and prolonged physiotherapy. A motorcyclist might suffer from permanently reduced mobility and loss of function due to fractures. Shattered bones can also lead to infections that could result in a limb amputation. Even a simple fracture will require some recovery time and may cause a considerable loss of income.Permanent Disfigurement
A motorcyclist can suffer permanent facial scarring and disfigurement since the head is perhaps the most vulnerable body part in an accident. Scarring could require several rounds of expensive plastic surgery. Additionally, a motorcycle accident victim might suffer from emotional distress related to disfigurement for the rest of their lives.Spinal Cord Injuries and Paralysis
Spinal cord injuries are typically serious and can cause severe disability such as paralysis. To date, no medical treatments or therapies can reverse serious damage or severance of the spinal cord. The physical, mental, and financial consequences of a serious spinal cord injury cannot be underestimated.Emotional and Psychological Distress
A serious motorcycle accident can have a long-term detrimental influence on an accident victim’s mental health. Emotional effects can include post-traumatic stress disorder, depression, anxiety, fearfulness, and an overall inability to return to daily life. Motorcycle accident injuries can result in significant long-term costs. A mountain of medical bills and having to take time off work can cause financial hardship for motorcycle accident victims and their families. If you have injuries and other damages due to the fault of another driver, you may have the right to receive compensation for those injuries and losses.Types of Compensation Available for Motorcycle Accident Victims
You may have excellent control of your motorcycle and be a careful and respectful rider; however, you cannot control the actions of other drivers. Other drivers may cause an accident due to negligence, such as driving while intoxicated, failing to yield, speeding, operating a vehicle while drowsy, driving while distracted, or driving generally recklessly. If another driver caused your motorcycle accident due to their negligence, you could recover compensation for economic and non-economic losses. Economic Losses Economic losses are relatively easy to determine as they relate directly to monetary losses experienced by the victim and can include:- Motorcycle repair or replacement
- Loss of income as a result of being unable to return to work
- Medical treatments and therapy
- Over-the-counter and prescription medications
- Medical devices such as a wheelchair and crutches
- A home health aide
- Transport costs
- Car rental expenses
- Out-of-pocket costs.
- Emotional anguish
- Loss of limbs
- Permanent disfigurement
- Disability
- Loss of quality of life.
Factors Influencing Compensation
The potential compensation you can seek hinges on various factors:- Extent of Injuries: The greater the severity and duration of your injuries, the higher the potential compensation.
- Lifestyle Impact: If your injuries have significantly altered your quality of life, this may raise the value of your claim.
- Liability: The extent of your responsibility, if any, can influence your capacity to receive damages.
Insurance Compensation for a Motorcycle Crash
Many motorcycle accident claims are typically settled through negotiations with an insurance company. Unlike car insurance claims, in Minnesota, motorcycle accident cases are generally not governed by a no-fault system. Motorcyclists are not obliged to acquire personal injury protection to cover their losses in an accident caused by another driver. Consequently, the party at fault may bear financial responsibility for the victim's losses in a motorcycle accident. This is why car drivers are required to obtain liability insurance. While many drivers opt for coverage above the minimum requirements, the following are the basic thresholds:- $30,000 per individual involved in an accident
- $60,000 for two or more individuals involved in an accident
- $10,000 for property damage.