Does a Motorcycle Accident Affect Car Insurance Rates?
How Motorcycle Accidents Impact Car Insurance
North Carolina is an at-fault state for vehicle accidents. This means that the driver who caused an accident and their insurance company will be responsible for damages and injuries to other parties. Given this, it might seem counterintuitive that your own car insurance rates might go up when you are in a motorcycle accident in North Carolina.
Nonetheless, we have seen this in our more than 35 years of fighting to recover the largest available damages for our clients. A motorcycle accident can certainly affect a separate car insurance policy.
Your vehicle accident history will likely be recorded in the national Comprehensive Loss Underwriting Exchange (CLUE). Your auto insurance carrier can access that history when it sets rates for car insurance and motorcycle insurance.
If you’ve been injured in a motorcycle accident in North Carolina, call us at Riddle & Brantley, 1-800-525-7111, for a no-obligation assessment to determine how we can help.
You may be entitled to financial compensation and we would love to help you get the justice you deserve.
Call 1-800-525-7111 and let’s review your claim.
Car Insurance Premiums Are Based on Multiple Factors
A North Carolina motorcycle accident lawyer who represents you will work to establish that you were not at fault for the motorcycle accident. Under North Carolina’s contributory negligence standards, you can be barred from recovering any damages if you were even partially at fault. Fault, however, is only one of several factors that insurance companies consider when setting car insurance rates.
In North Carolina, other factors affecting car insurance rates include:
- The make, model, and age of your vehicle
- The total miles that you drive annually
- Your overall accident history (including motorcycle accidents)
- Your history of traffic citations and road violations
- The State’s minimum coverage requirements
- Your age, gender, and marital status
- Your credit rating
- The population density around your home address
Further, even if you carry motorcycle insurance with one company and car insurance with another, if you have been involved in more than one motorcycle accident or car accident, your insurance rates will almost certainly increase.
You Can Fight Increases in Your Car Insurance Premiums
Call us at 1-800-525-7111 to confer with one of our North Carolina motorcycle accident lawyers if you’ve been injured in a motorcycle accident. The consultation is free and we don’t get paid unless you do — if we don’t recover compensation for you, you won’t pay any attorney fees. It’s as simple as that.
We talk to insurance companies every day. We know their policies and procedures, and speak the same language.
We have used our extensive knowledge and experience to recover millions of dollars in damages for clients (see disclaimer below) who have suffered serious injuries in motorcycle accidents. In many cases, we have recovered the full amount available under the liable party’s insurance coverage. This indicates that our clients were not at fault for the accident.
We make it our business to investigate your insurance coverage and verify that your car insurance premiums are not adversely affected by your motorcycle accident history.
Don’t Try to Fight the Insurance Companies on Your Own
Insurers hire teams of lawyers charged with reducing their payments to injured parties under car and motorcycle policies while justifying the largest possible premiums. You have a much lower chance of success if you try to go up against those companies without seasoned help. Our North Carolina injury lawyers have more than 220+ years of combined experience negotiating with car and motorcycle insurers. We will use that experience to its maximum benefit on your behalf.
For example, one of our clients was riding his motorcycle on a service road. Another driver turned in front of him and hit him. Our client was thrown 15 feet, and the other driver was charged with the accident. He suffered many injuries, including a bladder rupture and a broken pelvis. We secured a total award of $1,000,000, which was the limit of the at-fault parties’ insurance (see disclaimer below).
We believe that Justice Counts!
Contact Riddle & Brantley for a Free Consultation
If you have been hurt in a car or motorcycle accident or if you need help recovering the benefits you deserve under a vehicle insurance policy, call us at 1-800-525-7111. We will be happy to schedule a no-fee consultation with one of our North Carolina motorcycle accident lawyers.
We have an unwavering belief that Justice Counts, whether in recovering damages from responsible parties, in being charged fair vehicle insurance premiums, and dealing with aggressive or predatory insurance companies.
For a FREE, no-obligation consultation with an experienced Riddle & Brantley motorcycle accident lawyer, please call 1-800-525-7111 or complete the short and easy form below.
There is never any obligation and you won’t pay any attorney fees unless we win your case.
Call 1-800-525-7111 and let’s talk.
“I would recommend Riddle & Brantley to anyone.”
-Andrew J., Riddle & Brantley client
*** Disclaimer: The results mentioned are intended to illustrate the type of cases handled by the firm. These results do not guarantee a similar outcome, and they should not be construed to constitute a promise or guarantee of a particular result in any particular case. Every case is different, and the outcome of any case depends upon a variety of factors unique to that case.