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MOTORCYCLE CRASH COURSE - DAMAGE TO MOTORCYCLE

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By Steven M. Bialick, Attorney, www.MotorcycleAccident.com. email: [email protected]

 

When a motorcycle is damaged in an accident, there often are two insurance companies the motorcycle’s owner can deal with for compensation.

 

If the motorcycle’s owner has “collision coverage” under his or her insurance policy, the owner can seek payment under that coverage.  The amount payable is usually reduced by the amount of the “deductible” under the policy.  If the driver of another vehicle was responsible for the accident, the owner’s insurance company can then seek reimbursement from the responsible party’s insurance company and refund all or a portion of the deductible to the owner.

 

If the driver of another vehicle was responsible for the accident, the owner of the damaged motorcycle can choose to seek payment from the insurer of the responsible vehicle instead of from the owner’s own insurance policy.  However, if the driver of the motorcycle was also negligent, the amount that can be collected from the insurer of the other vehicle might be reduced or eliminated.

 

The owner of the damaged motorcycle might also be entitled to a rental vehicle while the motorcycle is being fixed.

 

If the motorcycle is considered a “total loss”, the owner can either 1) transfer it to the insurer and seek its value, tax, and license, less any applicable deductible, or 2) ask to keep the motorcycle and seek its value, tax, and license, less any applicable deductible, minus its salvage value.

 

Steven M. Bialick has been in the private practice of law since 1980.  He practices in the areas of accident and personal injury law.  This article is intended to provide general information only, and is not legal advice or a legal opinion on any certain facts or circumstances.  Readers are encouraged to consult with an attorney on any specific legal questions or matters.

 

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