Riding a motorcycle can be an exhilarating experience. However, the enjoyment of a motorcycle ride comes at a heavy cost to many riders.
Many bikers are often victims of motorcycle accidents, suffering serious injury due to little protection. Accidents often cause broken bones, brain injuries, spinal cord damage, and amputations which require expensive surgeries and other medical treatment.
When a passenger vehicle collides with another passenger vehicle injuring passengers, the law is pretty clear. However, when a motorcycle rider in Texas is injured from an oncoming car, who pays for medical care?
The driver at fault is liable for harm-related costs
Texas insurance laws mandate liability coverage on all vehicles driving on public roads. Drivers need to carry insurance that can pay for medical costs and property damage losses if they are at fault for a crash. This includes costs to motorcycle riders.
Unfortunately, the liability mandates for drivers in Texas isn’t always enough. Basic coverage under the law is just $30,000 for both medical cost coverage and wage replacement. If a motorcycle rider had a passenger, the minimum bodily injury liability coverage will increase to $60,000 that both people must share.
Options when insurance isn’t enough
If liability insurance isn’t adequate to cover the costs of the collision, injured parties can consider filing a lawsuit against the at-fault party. Personal injury statutes in Texas allow people to sue if the misconduct or negligence of another person directly caused them injury and financial losses. Occasionally, there may even be a third party liable for the crash.
Speaking to a qualified personal injury attorney in your jurisdiction who can offer guidance and recourse options as they pertain to your circumstance is advised.