Motorcycles are fun and exciting until you get hurt. Not all injuries are caused by accidents, however. A motorcycle exhaust burn can be extremely painful. Passengers who are unfamiliar with how hot the exhaust pipe gets or where it is located on the bike can end up receiving a pretty severe burn. Severe burns require medical attention that can be quite costly. Filing a motorcycle burn claim against the owner’s insurance may help defray those costs.
Who is at Fault?
Determining who is at fault when it comes to a motorcycle burn claim can be tricky. While the injury occurred while the passenger was on the bike, it must be determined whether or not they knew the risk of injury was present. A seasoned biker should tell passengers to keep their legs and feet away from the exhaust and firmly on the pegs. While a passenger may forget, it’s important for the owner of the bike to offer reminders, especially if the passenger isn’t an experienced rider. If the burn was received due to colliding with another vehicle, the fault would need to be determined. When the other driver is at fault, it will be up to them to cover the cost of the passenger’s medical expenses.
What Does the Owner’s Insurance Cover?
Most auto and motorcycle insurance policies include personal liability coverage. This coverage is designed to cover the medical expenses of a motorcyclist or their passenger if they are involved in an accident. Medical expenses, whether they are related to burns or broken bones, will be covered if the owner of the vehicle is at fault. Investigations are often performed when a motorcycle is involved in an accident. This helps to determine who is at fault and also provides valuable information for insurance purposes.
Do You Need to File a Personal Injury Claim?
If you were involved in an accident where you received a motorcycle exhaust burn, you may want to file a personal injury claim. Severe burns can take several weeks to heal, paving the way for possible infection and other medical issues. The longer it takes to heal, the higher your medical bills will be. If it was determined that the accident was the other driver’s fault, you may be able to file a personal injury claim to ensure that your medical expenses are fully covered. This can also be beneficial if you have been forced to be off work during the healing process.
What May Happen After You File a Motorcycle Injury Claim?
After an accident, the first step is to seek medical attention. An investigation will be performed by the insurance company to determine who was at fault. Filing a motorcycle burn claim will require you to provide medical information about your injury and how it was received. The insurance company will review this information during the investigation and advise you of the outcome. As soon as the fault has been determined, you will be advised as to whether or not your claim will be accepted. If it isn’t, you may have the option of filing a personal injury lawsuit.
Any type of motorcycle injury is serious. If you have received a motorcycle burn injury and have questions about how to file a claim, you need to contact your insurance agent. At Action Insurance Group, our goal is to make sure you always have the information you need. We can help you find reliable insurance for the right price.
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