Understanding Insurance Coverage for Motorcycle Wrecks in GA

Motorcycle wrecks often result in severe injuries, making insurance coverage crucial. This page explains the types of insurance coverage available for motorcyclists in Georgia and what to consider when filing a claim.

Liability Insurance: Covers bodily injury and property damage you cause to others. Georgia requires minimum liability coverage: 

• $25,000 for bodily injury per person.
• $50,000 for bodily injury per accident.
• $25,000 for property damage per accident.

Collision Coverage: Pays for damage to your motorcycle in a collision, regardless of fault.

Comprehensive Coverage: Covers non-collision-related damage, such as theft, fire, or vandalism.

Uninsured/Underinsured Motorist Coverage: Protects you if the other driver lacks sufficient insurance.

Medical Payments Coverage: Helps pay for your medical expenses after an accident.

After a motorcycle wreck:

• Report the Accident: Notify your insurance company as soon as possible.
• Gather Documentation: Provide photos, witness statements, and police reports.
• Seek Medical Attention: Keep detailed records of all medical treatments and expenses.
• Consult an Attorney: An attorney can help you navigate the claim process and negotiate with insurance companies.

1. Denied Claims: Insurance companies may deny claims for various reasons, including policy exclusions or disputes over fault.
2. Low Settlement Offers: Insurers may offer settlements that don't fully cover your expenses.
3. Delays: Insurance companies may delay processing your claim, prolonging your financial and physical recovery.

An experienced attorney can:

• Review Your Policy: Ensure you understand your coverage and rights.
• Negotiate with Insurers: Advocate for a fair settlement.
• Pursue Legal Action: If necessary, file a lawsuit to seek full compensation.

Understanding your insurance coverage and the claims process can help you recover financially after a motorcycle wreck in Georgia.

We are here to help. Call today: 678-824-5453