Why Motorcycle Accident Claims Are Different from Car Accident Cases

May 13, 2025

Why Motorcycle Accident Claims Are Different from Car Accident Cases

Motorcycle accidents and car accidents might both involve vehicles and insurance claims, but when it comes to the legal landscape, these cases are far from identical. At Allen Injury Law, LLC, we help injured individuals across Missouri understand the unique challenges of motorcycle accident claims—and fight for the compensation they deserve.


Increased Injury Severity


Motorcyclists are far more exposed to the elements than drivers in enclosed vehicles. Even with a helmet and proper gear, riders face a higher risk of serious injuries such as traumatic brain injury, spinal cord damage, or severe fractures. Because of this, motorcycle accident claims often involve more extensive medical documentation, longer recovery times, and higher overall damages.


Insurance Bias Against Motorcyclists


Unfortunately, insurance companies often stereotype motorcyclists as reckless or inherently risky. This bias can lead to denied or undervalued claims—even when the motorcyclist is not at fault. It takes a focused legal approach to challenge these assumptions and present clear evidence that supports the injured rider’s case.


More Complex Accident Reconstruction


Unlike standard auto accidents, motorcycle crashes often involve less visible damage to the motorcycle and greater questions about visibility, speed, or evasive maneuvers. That means accident reconstruction is more detailed and frequently requires expert input to support liability and causation.


Road Hazards and Third-Party Liability


Motorcyclists are more susceptible to injuries caused by potholes, loose gravel, or poorly maintained roads. If a city or construction company failed to maintain safe conditions, there may be a third party legally responsible for the crash. Car drivers may not experience the same vulnerability to road hazards, making these liability paths more common in motorcycle claims.


Different Legal Strategies and Damages


Because of the seriousness of most motorcycle injuries, the value of these claims is often higher. Legal strategy must consider long-term medical needs, lost earning capacity, and pain and suffering. At Allen Injury Law, LLC, we build cases that reflect the full impact of the injury on the rider’s life—not just the immediate medical bills.


We Help Missouri Riders Get Justice


At Allen Injury Law, LLC, we understand what sets motorcycle accidents apart. If you or a loved one has been injured in a motorcycle crash, we’re here to guide you through the claim process, push back against insurance tactics, and pursue the financial recovery you deserve.

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Poor Road Conditions Potholes, uneven pavement, and debris on the road can pose significant hazards for cyclists, leading to loss of control and accidents. Alcohol or Drug Impairment Drivers under the influence of alcohol or drugs pose a serious risk to all road users, including cyclists. Impaired drivers may have reduced reaction times and impaired judgment, increasing the likelihood of accidents. Missouri Bicycle Laws Every Cyclist Should Know Missouri has specific laws that govern how cyclists and motorists should share the road. Understanding these laws can help prevent accidents and protect your rights if you are involved in a collision. Key Missouri bicycle laws include: Bicycles are Vehicles Under Missouri law, bicycles are considered vehicles, and cyclists have the same rights and responsibilities as drivers of motor vehicles. This means cyclists must obey traffic signals, stop signs, and other rules of the road. 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Riding Two Abreast Cyclists are permitted to ride two abreast in the same lane, but they should not impede the normal and reasonable flow of traffic. Prohibition on Holding onto Motor Vehicles Cyclists are prohibited from attaching themselves or their bicycles to a moving vehicle on the road. What to Do If You’re Involved in a Bicycle Accident in Missouri If you are involved in a bicycle accident, it’s crucial to take the right steps to protect your health and legal rights. Here’s what to do immediately following a collision: Seek Medical Attention Your health and safety are the top priority. Even if you don’t think you’re seriously injured, seek medical attention as some injuries may not be immediately apparent. Contact Law Enforcement Call the police and report the accident. An officer will document the scene and file a report, which can be crucial evidence for your claim. Exchange Information Exchange contact and insurance information with the driver involved. If there are any witnesses, obtain their contact information as well. Document the Scene Take photos of the accident scene, your bicycle, the vehicle involved, any visible injuries, and road conditions. This documentation can help establish liability later. Do Not Admit Fault Be careful not to say anything that could be construed as admitting fault, even if you feel partially responsible. Let the authorities determine liability. Report the Accident to Your Insurance If you have auto insurance or health insurance, report the accident to your provider. They may be able to assist with covering medical expenses and other costs. Consult with an Experienced Attorney Bicycle accident claims can be complicated, especially when dealing with insurance companies and establishing fault. An experienced personal injury attorney can help you understand your rights and pursue compensation for your injuries, medical bills, lost wages, and other damages. Understanding Fault and Liability in Bicycle Accidents Missouri follows a pure comparative fault system, which means that each party involved in an accident can be assigned a percentage of fault. Even if a cyclist is partially at fault, they may still recover compensation. However, the amount of compensation will be reduced by the percentage of fault attributed to the cyclist. For example, if a cyclist is found to be 20% at fault and the damages are $50,000, the cyclist would be eligible to receive 80% of the total, or $40,000. Compensation for Bicycle Accident Victims If you’ve been injured in a bicycle accident due to someone else’s negligence, you may be entitled to compensation for: Medical Expenses: Including emergency room visits, surgeries, rehabilitation, and ongoing medical treatment. Lost Wages: Compensation for lost income if your injuries prevent you from working. Pain and Suffering: Damages for the physical pain and emotional suffering caused by the accident. 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