For some, there is no better feeling than riding a motorcycle. The freedom, the direct connection to the road, and the power of the engine can be intoxicating. Unfortunately, statistics show that high numbers of motorcycle enthusiasts will be involved in some sort of accident during the course of their riding careers. As a motorcycle enthusiast, Isaac Jackson not only shares a passion with his fellow cyclists, he is well versed in the resources available to those involved in motorcycle accidents and accident related injuries.
Of course, there are measures that can be taken to increase your odds when it comes to being accident-free on your bike. New riders should always take a safety course. Team Oregon, through Lane Community College, offers a course. More information is available here. Once you become well-versed in the rules of the road and feel comfortable on your bike, make sure to have the best protective gear you can afford. Ask yourself how much your body is worth; the cost of quality protective gear will seem minimal compared to the cost of medical bills and the pain of healing. Don’t discount wearing gear that is highly visible, even reflective. Never assume motorists see you – even smart riders can be invisible to other motorists.
Following an accident involving a motorcycle, you may have questions regarding your insurance. Unfortunately, the state of Oregon does not offer Personal Injury Protection (PIP) to motorcyclists, a policy extended to those with auto insurance. PIP is a no-fault insurance part of an auto policy that allows you to get medical bills reimbursed early on and provides partial coverage for loss of wages. Without the access to PIP, many injured riders cannot pay for treatment received, creating a major financial crisis in their lives. This creates a scenario where the insurance companies for the at-fault drivers often times can take advantage of the situation by paying much less to the motorcycle rider than his or her claim is worth.
Even though PIP isn’t available for motorcyclists, you still may be subject to a lien in your claim. What exactly is a lien? When someone is injured in an accident and receives payment for their damages from the responsible party they are often times required to pay back parties that paid benefits on their behalf. For example, a parties’ health care provider will seek repayment of the amount it originally paid on behalf of an insured. This lien against your claim can affect the most important part of your claim – how much money you will receive for the recovery of your damages, and it can become a complicated series of steps to sort out.
Bottom line, motorcycle injuries and accidents can raise a number of unique legal and insurance questions – some you may be unable or unprepared to answer on your own. An attorney may be your best bet when it comes to reviewing your case and settling with an outcome that is best for you and your family. Call the offices of Jackson Jones Law for your free consultation today.
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