The Factors That Can Reduce Motorcycle Compensation

July 21, 2023

A motorcycle accident can have devastating consequences for everyone involved. Thankfully, the law recognises the need to protect victims by granting them the right to compensation. Determining a fair amount of payment involves carefully considering various crucial factors, such as the severity of injuries, impact on the victim’s life and mental well-being, and financial losses.

However, the complexity intensifies when the responsibility for the accident is shared between the victim and the other party. This intricate situation requires the careful allocation of blame and assessment of each party’s level of responsibility, further complicating the process.

In addition to the shared responsibility issue, numerous other factors come into play when seeking restitution. Legal principles such as comparative negligence and contributory negligence, along with practical considerations like the use of protective gear and pre-existing conditions, can significantly influence the outcome of your claim. It is crucial to understand these factors to navigate the complexities and ensure a fair resolution.

Motorcycles: Understanding risks and consequences

Motorcyclists face a significantly higher risk on the roads than car drivers, and collisions involving motorcycles can often result in more serious injuries. Several factors contribute to this increased danger.

Unlike car drivers, who are enclosed within a metal frame, motorcyclists have minimal physical protection. Motorcycles lack safety features such as seat belts, airbags, and the structural integrity of a car’s body. They are also smaller and lighter than cars, making them more susceptible to external forces. Factors like strong winds, uneven road surfaces, or debris on the road can destabilise a motorcycle, potentially leading to loss of control and accidents. Additionally, motorbikes are less visible to other motorists due to their smaller size, which increases the risk of collisions.

While motos have the advantage of being more agile and manoeuvrable than cars, this can also work against them. The ability to quickly change lanes, weave through traffic, or ride at higher speeds can increase the chances of accidents if not done with caution. The limited stability and lower traction of two wheels make sudden manoeuvres more risky.

Rain, snow, extreme temperatures, and poor road conditions pose increased risks. Slippery surfaces, potholes, or oil spills can have a more significant impact on motorcycles due to their reduced stability, potentially causing accidents and injuries.

Navigating the claims process

In the aftermath of an accident, the process of resolving motorcycle accident claims typically involves several steps. Initially, the injured party files a claim with the responsible party’s insurance company, outlining the details of the incident and the resulting damages. From there, the claims process can unfold in two primary ways: the parties involved may negotiate a settlement outside of court, or the case may proceed to litigation, where a judge will decide liability and damages.

1. Negotiating a settlement:

In many cases, the responsible party’s insurance company will conduct an investigation. If liability is accepted, the parties, often under the guidance of their respective legal representatives, engage in settlement negotiations. This process involves discussing the extent of the damages, including medical costs, rehabilitation fees, lost wages, pain and suffering, and property damage.

Both sides present their arguments and supporting evidence to reach a fair settlement. Negotiations may involve back-and-forth communication, counteroffers, and evaluations of the strength of each party’s case. The goal is to reach an agreement that adequately compensates the injured party for their losses without court intervention. Our UK motorcycle crash settlements page provides some examples of how much you might receive.

2. Going to court:

If the parties cannot negotiate a mutually acceptable settlement, the injured party may file a lawsuit. This typically involves hiring a solicitor who will present the case in court. The judge presiding over the case will evaluate the evidence, listen to witness testimonies, and make a determination regarding liability and damages.

Both sides will present their arguments and evidence supporting their claims during the court proceedings. The judge’s decision will determine the outcome, including the amount of compensation, if any, that the injured party is entitled to receive.

When compensation can be reduced

In personal injury claims involving motorcyclists, the proportion of liability is crucial in determining the compensation awarded. When a motorcyclist is not entirely blameless for an accident or the extent of their injuries, the culpability is divided based on a proportionate assessment, such as 50/50 or 80/20. Consequently, the settlement received is adjusted accordingly to reflect the shared responsibility. Some of the key considerations are:

  1. Not wearing a crash helmet: It is a legal requirement for motorcyclists to wear a suitable crash helmet that is properly fastened. While wearing a helmet may not prevent an accident from occurring, failing to do so can be seen as contributing to the severity of the injuries sustained.
  2. Lack of protective clothing: Riders are advised to wear padded protective clothing, including jackets, pants, and gloves, to cushion the impact in an accident.
  3. Speeding: The speed at which a motorcyclist rides significantly influences the level of danger in a collision and the resulting injuries.
  4. Insufficiently visible clothing: Motorcyclists are encouraged to wear brightly coloured or high-visibility clothing on the road.
  5. Numerous passengers: When multiple passengers are carried, it increases the risk and potential instability of the motorcycle.

Speak to our motorbike accident solicitors

During the claims process, both parties may dispute the sequence of events or the degree of liability. This can lead to disagreements over the extent of damages or even the responsibility for the accident itself. Evidence, witness statements, and expert opinions are crucial in establishing the facts and resolving the dispute in such cases.

It’s worth mentioning that the claims process can vary depending on the jurisdiction and the case’s specific circumstances. Individuals involved in accidents should seek legal counsel to understand their rights, navigate complex legal proceedings, and strive for a fair resolution.

Don’t hesitate to reach out to one of our specialist solicitors today. By taking prompt action and seeking professional legal assistance, you can strengthen your position, manage the claims process effectively, and work towards obtaining the compensation you deserve.

Remember, time limitations may apply to personal injury claims, so don’t delay seeking the guidance you need to protect your interests. Contact us now to discuss your case.