The North Carolina Department of Transportation (NCDOT) has reported that for the most recent year studied, 2011, almost 4,000 bikers were injured in accidents, and another 140 were fatally injured.
The Charlotte motorcycle accident lawyers at Auger & Auger have been successfully representing motorcycle accident victims in North Carolina since 1994, and have over 40 years of combined legal experience in handling only injury cases.
With so much experience, Auger & Auger knows how insurance companies operate. A common insurance company response to a motorcycle accident is to claim that the motorcyclist was partly at fault for causing the accident. Our seasoned attorneys anticipate just this type of response, and conduct a thorough investigation into the facts surrounding the accident in order to prove liability to the at-fault party’s insurance company.
We know that the life of a biker can change in an instant; one moment a biker can be cruising, obeying traffic laws, and the next moment find himself or herself with life-changing injuries. Lacking the physical protection of a car, motorcyclists are especially vulnerable. Compound the lack of physical protection with the disadvantage of being less visible to other motorists is a potential recipe for disaster. Even though North Carolina requires all bikers to wear helmets, brain injuries remain a frequent injury following a motorcycle accident. Other potential injuries include:
Riding a motorcycle is a risky thing. Not only do bikers and their passengers lack the physical protection of an automobile, but they are especially vulnerable to other factors, such as road conditions, weather conditions, and not being easily visible to other motorists. Frequent causes of motorcycle accidents include:
North Carolina law only requires motorcyclists to carry liability limits in the sum of $30,000 per person/$60,000 per accident, and property damage in the sum of $25,000. These limits apply when you cause injury to another person. But what happens when you are the one who is injured? And what happens when the person who caused your injuries has minimum liability limits, or worse, doesn’t carry any insurance at all? It is up to you to protect yourself, and we recommend the following:
Obtain Health Insurance: If someone else causes you to crash, as long as they have insurance, your medical bills will eventually get paid, up to their policy limits. But most often, they pay at the conclusion of your treatment, not as you receive treatment. You may find yourself at the mercy of collection agencies by the time the at-fault insurance pays. Worse, you may find that the person responsible for your injuries had no insurance. To best protect yourself, make sure you have health insurance.
Carry Sufficient Uninsured Motorist/Underinsured Motorist Coverage: If the person who causes your accident does not carry liability insurance, your uninsured motorist coverage will cover your injuries, provided of course that you carry this coverage. If you carry a minimum-limits policy, there will be only $30,000 available coverage to compensate you for your injuries. When the person who caused your accident has liability insurance, but not enough to compensate you for your injuries, your underinsured motorist coverage will apply, assuming of course that you carry this coverage. With this type of coverage, if the at-fault person has a minimum $30,000 policy, but you carry a $50,000 underinsured motorist limit, there is another $20,000 from which you can seek recovery.
Collision Coverage: This will pay for physical damage to your motorcycle, regardless of who is at fault.
Call a Charlotte Motorcycle Accident Lawyer: The sooner you call, the quicker we can get to work protecting your rights. Our goal is to secure the maximum possible recovery for our clients. Your confidential consultation is free, no matter how long it lasts.
If you or a family member has been injured or killed in a motorcycle accident in Charlotte, our motorcycle accident injury attorneys can help you with the following:
At Auger & Auger, we know how difficult insurance companies can be. We know that many people hold an unfair prejudice against bikers, and this can include investigating officers, representatives from insurance companies, and potential jurors. Oftentimes, bikers are thought to be reckless, speeding, or drunk. Unfortunately, there are some statistics provided by the National Highway Traffic Safety Administration (NHTSA) which tend to support some of these biases. The job of your attorney is to get involved early on in the case to make sure that our injured biker clients are treated fairly and extinguish all preconceived notions by the investigating officer, insurance adjuster and jury before than can appear.
The experienced motorcycle crash attorneys at Auger & Auger know how the insurance companies work. We know the insurance company will try to come up with theories as to why the biker is at least partially responsible. The sooner you contact one of our Charlotte motorcycle accident attorneys, the sooner we can conduct our own investigation to determine liability, assist you with obtaining appropriate medical attention, and locating every possible source of recovery. Many intersections are now equipped with traffic surveillance cameras, but cities often only retain the data recorded for a period of 7 days, making it critical that you contact a lawyer immediately so those films, if they exist, can be preserved.