Hurt in a Motorcycle Accident in Tennessee?
Local Attorneys Explain Motorcycle Laws and Insurance Requirements
Due to the open design of a motorcycle, the rider may sustain severe injuries in the event of a crash with another vehicle. Even if a motorcyclist wears a helmet and full-body protective gear, the effects of an accident may be devastating. After such a crash, you may be able to collect compensation through an insurance claim, just as you would after any other motor vehicle accident. However, determining liability after a motorcycle crash can be difficult, especially as insurance adjusters may try to reduce your settlement if you were not wearing a helmet. Additionally, some states have different insurance requirements and laws related to motorcyclists, which may complicate your claim. Below, our local Tennessee motorcycle accident attorneys explain the unique aspects of these kinds of claims.
Having a qualified attorney on your side after a motorcycle accident is often essential to getting the compensation you deserve. A lawyer can negotiate with the insurance company on your behalf and defend your right to full compensation, regardless of helmet use. If you need to find a Tennessee attorney for your motorcycle accident claim, then consult our local listings.
How Are Motorcycle Accident Claims Unique?
A motorcycle accident claim usually involves serious injuries or even wrongful death, especially if much larger vehicles are involved. Other differences that set motorcycle accidents apart from car crashes include:
- Different common causes. Driver distraction and inattention are common causes of motorcycle accidents involving other vehicles. Due to the smaller size of a motorcycle, drivers in other vehicles may fail to notice an oncoming rider, causing a deadly crash. Additionally, negligent drivers may try to pass motorcyclists or share a lane, which increases the chances of a wreck. Finally, drinking and riding is one of the leading causes of single-vehicle motorcycle accidents and deaths, according to the CDC.
- More possible hazards. Certain hazards which may not affect cars and trucks can be deadly for motorcyclists. Road defects in particular may be dangerous for motorcyclists; in these cases, the city or government body responsible for the road may be liable for the crash. Additionally, adverse weather and defects in the bike and/or equipment may cause of contribute to motorcycle accident injuries.
- Possible biases. In some cases, insurance adjusters and/or juries may have biases against motorcyclists. For example, these parties may be more inclined to assume the motorcyclist was speeding or driving recklessly. Additionally, not wearing a helmet may make it more difficult to obtain fair compensation – though helmet use does not legally affect your ability to recover.
- Higher verdicts and settlements. Since the injuries and damages a motorcyclist suffers are usually high, the result of a motorcycle accident claim may be higher, compared to other claims. Since this compensation is usually necessary for riders to afford medical treatments, it is a good idea to consult an attorney who can protect your claim.
What Are the Tennessee Motorcycle License and Insurance Requirements?
In all 50 states, motorcyclists must have a special endorsement on their licenses in order to legally ride. However, the requirements that you must meet to obtain a “Class M” endorsement vary by location. In Tennessee, the laws are:
- A person who is at least 16 years of age and a legal resident of Tennessee may apply for a motorcycle license.
- Minors who are 15 years of age and legal residents of Tennessee may apply for a motorcycle learner’s permit. Permit holders may only operate during daylight hours, are limited to a 20 mile radius of the permit holder’s home, may not operate a motorcycle on the Interstate system, may not operate a motorcycle with an engine size greater than 650cc, and may not carry any passengers.
- Applicants who have successfully completed a motorcycle rider training course may be exempted from taking the licensing skills test and/or the knowledge test.
Although most states hold motorcyclists to the same minimum insurance requirements as car owners, Tennessee is an exception. In Tennessee, your motorcycle insurance policy must include the following minimum coverage limits per accident:
- $25,000 for bodily injury per person.
- $50,000 for total bodily injury if multiple people are hurt in the accident.
- $15,000 for property damage.
Additionally, depending on the circumstances, you may be able to negotiate for a lower or variable insurance premium for your motorcycle if you do not ride it consistently. For example, most people do not travel by motorcycle in the winter months, so you may be able to purchase a “lay-up” policy, which reduces your coverage, and therefore your premium, during a certain time period.
Can I File a Motorcycle Accident Claim If I Was Not Wearing a Helmet?
Tennessee is one of 19 states that have universal helmet laws. This means that all motorcyclists must wear a protective helmet at all times, regardless of age or skill level. A motorcycle helmet can help protect you from serious head and brain injuries in the event of an accident. Other protective gear that can minimize potential motorcycle accident injuries includes: sturdy boots, light-weight riding armor, thick pants, a long-sleeved jacket and durable gloves. Therefore, even if you travel to another state with more relaxed laws, it is still advisable to wear a helmet.
Since Tennessee law does require you to wear a motorcycle helmet, you may face a ticket or a fine if you do not have one on during a crash. However, insurance companies cannot use lack of helmet use as a reason to reduce your settlement. Still, many injured riders find their motorcycle accident claims reduced or denied for this reason anyway. The insurance company may try to claim that you contributed to your own injuries by failing to wear a helmet. If this happens, then a qualified motorcycle attorney can help you fight for full and fair compensation.
Hurt While Riding? Find a Local Motorcycle Accident Lawyer Today
If you suffered serious injuries or lost a loved one in a motorcycle accident, then an attorney may be able to help. To find a local lawyer, consult our listings. Otherwise, if you have a question or concern about motorcycle accident claims, then feel free to ask the lawyers.