How Does Maryland Handle Motorcycle Insurance?

Knowing that motorcycles are exposed to more dangers than standard motor vehicles, you may operate yours with complete care and precision. But even if you follow every rule and safety recommendation there is out there, you may still, unfortunately, be involved in an accident. Continue reading to learn how a Maryland auto insurance company would typically handle a motorcycle claim and how one of the experienced Prince George’s County motorcycle accident lawyers at Miller Berman, LLC, can help minimize the complexity of yours. 

How does insurance coverage work for motorcycle accidents in Maryland?

Maryland follows a fault-based system for auto insurance, meaning the at-fault driver is generally responsible for accident-related damages. This is distinct from a no-fault system, in which a driver would use their own insurance to cover their personal medical bills, lost wages, etc., regardless of established fault in the crash.

Establishing fault is often critical when pursuing compensation from another driver or their insurer. On top of this, Maryland observes a contributory negligence doctrine. This means that if an auto insurance company or civil court pins even one percent of fault onto you, you may be barred from recovering any of your claimed damages. 

Many other states follow some form of comparative negligence, under which a plaintiff’s recovery may be reduced according to their percentage of fault. In those states, plaintiffs may be found up to 50 or 51% liable and still recover a portion of their damages. All of this to say, this is a very delicate situation, which should not be navigated without the guidance of a talented lawyer.  

Are insurance companies more likely to blame motorcyclists for accidents?

On top of all these complexities that Maryland law tacks onto your motorcycle accident claim, you may face unfair biases by your auto insurance company. Unfortunately, you cannot completely write off the possibility that an insurance company will use certain stereotypes to minimize or deny your claim. 

For example, they may claim that motorcyclists are generally reckless, and that you likely engaged in careless behaviors and actions that ultimately prompted your collision. Or, they may argue that your own riding behavior or failure to take certain safety precautions contributed to the severity of your injuries.

Here at Miller Berman, LLC, we do not feed into the negative stigmas surrounding motorcyclists. So please do not feel too intimidated to reach out to one of the skilled Prince George’s County injury lawyers. We will happily listen to your story and offer legal aid in whatever capacity necessary. Schedule your free initial consultation today.