Does a Car Accident Affect Motorcycle Insurance?

by William Mattar | February 26th, 2021

motorcycle insurance paperworkMany motorcyclists also own and use other vehicles, such as passenger cars, SUVs, and trucks. As a result, these motorcyclists likely have both car insurance and motorcycle insurance. If you are involved in a car accident and are also a motorcyclist, you may wonder if the accident will also impact your motorcycle insurance.

The short answer is, yes, a car crash could potentially affect your motorcycle insurance rate. However, this will ultimately depend on the circumstances of your accident and your insurance policy. Continue reading to learn more about how car accidents relate to motorcycle coverage.

The Cost of Motorcycle Insurance 

Just as drivers are required to have auto insurance, motorcyclists are required to have motorcycle insurance in New York. Numerous factors can affect a motorcycle insurance policy rate (the cost the insured must pay to maintain coverage). These factors might include traffic tickets or violations, the type of car or motorcycle, vehicle usage, age, driving/riding experience, and coverage type.

Accidents can also have an impact on insurance rates, including accident claims and overall driver history. Essentially, a motorcyclist with a history of accidents will likely have a higher rate than one with no accident history.

Fault in Motor Vehicle Accidents 

When it comes to accident history, the motorist who is found to be  at fault for the accident may also have a bearing on how your insurance rate is affected. Let’s say two motorists are involved in a collision. The at-fault motorist could potentially see an increase in their auto insurance rate due to causing the collision because the at-fault driver may be assessed as a “riskier” driver.

The motorist who is not at fault may or may not see an increase or negative change in their insurance rate. However, this will depend on the circumstances of the accident, the insurance carrier, and other potential factors. It is not possible to generalize.

How Can a Car Accident Affect Motorcycle Insurance?

So, how exactly can a car accident affect your motorcycle insurance? Given what we know about fault and insurance, your rate could go up for your motorcycle insurance, especially if you are at fault for the car crash.

In other words, the specific vehicle does not necessarily matter. Even if you were in a car accident, your insurance for both motor vehicles could be affected by claim history.  Again, the degree to which your rate will change can vary depending on your insurance company and situation.

If you were involved in a car accident that was not your fault and suffered an injury, you might be entitled to compensation for damages incurred. In this case, you should consider contacting a personal injury lawyer who can take a look at your case and help you explore your legal options.

Call William Mattar Now

If a negligent driver injured you in a car accident, contact William Mattar today. Our car accident lawyers can investigate your case, negotiate with insurance companies, and fight to ensure you receive maximum compensation. Call our offices at (844) 444-444 to get started.