Menu
F
r
e
e

C
o
n
s
u
l
t
a
t
i
o
n

What Happens If You Get Into A Motorcycle Accident But Have No Motorcycle Insurance?

On behalf of The Law Offices of Howard Kornberg Posted in Motor Vehicle Accident

Our Los Angeles motorcycle accident attorney hears this particular question in pretty much every phone call with an injured motorcyclist calling the Law Offices of Howard Kornberg.

“I have been injured and have liability insurance on my car, but not on my motorcycle,” an injured motorcyclist asks our attorneys from Law Offices of Howard Kornberg, “Does it mean I will be barred from making a personal injury claim to recover damages?”

“Not exactly,” says our motorcycle accident attorney in Los Angeles. As a rule of thumb, you have the right to make a personal injury claim even if you do not carry insurance on your motorcycle but only as long as the other party was at fault for the crash.

Our lawyers also warn that the amount of money you can recover as part of your personal injury settlement will be significantly limited because you do not carry insurance liability coverage for your motorcycle.

When your car’s liability insurance does not apply to motorcycle crashes

Note: Liability insurance coverage is intended to pay for the damages suffered by another person involved in a motor vehicle accident.

Let’s imagine the following scenario. You have purchased liability insurance for your car (doing so is required by California law), but you also own a motorcycle. If you are at fault for a motorcycle accident, and your motorcycle was not specifically included in your liability insurance nor have you purchased a separate liability coverage for the motorcycle, you will not be able to use this liability coverage to pay for the damages suffered by another party.

For your car’s liability insurance to apply to motorcycle accidents, you have to specifically ask your insurance adjuster to add coverage for your motorcycle in the existing policy or purchase separate liability coverage for your motorcycle.

You may still be able to file a personal injury claim though

But what happens when you get into a motorcycle accident that occurred due to another party’s fault in Los Angeles or elsewhere in California and have no motorcycle insurance coverage? Our motorcycle crash lawyer warns that although you will be penalized for not complying with California law (liability insurance is mandatory under California law), in no way does it mean that you will not be able to recover damages.

It is true that you will be barred from seeking compensation for “non-economic damages,” but you can still make a personal injury claim for “economic damages” (medical expenses, loss of income, loss of earning capacity, and others).

“In other words,” our experienced motorcycle accident lawyer in Los Angeles explains, “The amount of money you can recover as part of your settlement will be substantially lower than what it could have been if you had motorcycle coverage in your liability insurance.”

As a rule of thumb, pain and suffering damages represent a sizeable percentage of a personal injury claim after a motorcycle accident, which is why having no motorcycle insurance will significantly reduce the value of your claim. Needless to say, the more severe your injuries, the bigger the amount of money you can recover as part of your personal injury claim.

Also, the bigger the value of your damages, the more likely it is that a lawyer will agree to take your case. However, here at the Law Offices of Howard Kornberg, our experienced motorcycle accident lawyers are not like other lawyers in California. We offer a free consultation to those who have no liability coverage for their motorcycle but want to recover the full value of damages. Call our offices at 310-997-0904 for a free case evaluation.

Arrow Prev Prev Next Arrow Next
T

Tristan Crown

Rating Star
Howard Kornberg has been helping injured victims for over 35 years in
Read more
Posted On Google
J

John Dittrich

Rating Star
Howard's Law Office is undoubtedly the go-to place in Los Angeles for
Read more
Posted On Google
R

Robben Sprague

Rating Star
Howard Kornberg and his team were utterly amazing from start to finish
Read more
Posted On Google
M

Max Schafer

Rating Star
Excellent experience! Howard and his team are smart, competent, honest
Read more
Posted On Google
f

flerida hernandez

Rating Star
The Law Offices of Howard Kornberg were highly recommend by someone I
Read more
Posted On Google
T

Terri Barlow

Rating Star
Despite having to to deal with multiple family members and the death o
Read more
Posted On Google
M

Marina Salazar

Rating Star
What a great!! experience I had with the Law Offices of Howard Kornber
Read more
Posted On Google
P

Pamela LLJUBO

Rating Star
Working with Howard Kornberg and his associates is like having an exte
Read more
Posted On Google
E

E.J. Fortenberry

Rating Star
Mr Kornberg represented me very well in my case resulting in an outsta
Read more
Posted On Google
A

Anna Stovitz

Rating Star
Howard Kornberg did an impeccable job in representing me in my trial.
Read more
Posted On Google
A

Aviv Brawer-Cohen

Rating Star
Mr Kornberg and his staff are truly outstanding. Their diligent and ho
Read more
Posted On Google
A

Alex Saavedra

Rating Star
The people that work here are honest and straight up, Ana and Robert w
Read more
Posted On Google
T

Tristan Crown

Rating Star
Howard Kornberg has been helping injured victims for over 35 years in
Read more
Posted On Google
J

Josie Cruz

Rating Star
I took my "car accident" case to Mr. Kornberg for review. I had been t
Read more
Posted On Google
J

Jack Stovitz

Rating Star
Howard is an amazing lawyer who gets the job done. He's a great guy, h
Read more
Posted On Google
M

Melissa Schoenfeld

Rating Star
My experience with this office and Mr. Kornberg was everything I could
Read more
Posted On Google
H

HugznKisses De La Torre

Rating Star
Howard is a great person to work with and his integrity is unquestione
Read more
Posted On Google
M

Max Lasser

Rating Star
Howard is a phenomenal, exemplary, kind lawyer who will fight for you
Read more
Posted On Google
C

Charlie Shanes

Rating Star
I needed a good personal injury lawyer, I was injured in a car acciden
Read more
Posted On Google
R

Robert Leovy

Rating Star
Does great work and will go out of his way to ensure you get what you
Read more
Posted On Google
j

john nguyen

Rating Star
Friendly people, very professional, very detail oriented, and he will
Read more
Posted On Google
R

R D

Rating Star
HCK and staff are amazing!!
Read more
Posted On Google
C

Connie Kay

Rating Star
Positive: Responsiveness
Read more
Posted On Google
A

Alfonso Gonzalex

Rating Star
Positive: Professionalism, Quality, Responsiveness
Read more
Posted On Google
Arrow Next
Arrow Prev