Does a Motorcycle Accident Affect Your Car Insurance?

The short answer is yes, a motorcycle accident could affect your car insurance rates, depending on a number of factors. Whether your rates will increase or not depends on who is at-fault in the accident, your driving history, insurance provider, your age, and how often you drive, along with other details.

The main factor in determining whether your car insurance will increase after a motorcycle accident is your liability. Louisiana is a comparative fault state when it comes to assigning liability, meaning that each party is assigned a percentage of liability based on their role in the accident.

Under Louisiana law, all motorists are required to carry insurance from a licensed provider, including motorcycle riders. Generally, providers will determine rates based on the following variables:

• Your age and gender both play a major factor in the cost of your insurance. Multiple studies have shown that accident risk decreases as a driver’s age increases. In addition, young men are more likely to be involved in an accident than women, so their premiums tend to be higher.
• Insurers will also look at your driving history to determine cost, including how long you’ve been driving, the number of speeding tickets you’ve received, your accident history, and other factors. If you’re found at fault for your motorcycle accident, your insurance premiums could increase. However, your premiums should decrease over time if you maintain a clean driving record.
• Finally, some insurance providers consider how often you drive in calculating your premiums. With usage-based plans, insurers provide discounts to those who drive less frequently by adjusting premiums based on a driver’s mileage.

It’s vital to prove that you were not at-fault in your motorcycle accident. This will enable you to collect damages from the at-fault party, and it will help your insurance premiums stay low in the long term. Call the experienced motorcycle accident lawyers at Gordon McKernan Injury Attorneys at 888.501.7888 for a free consultation after your motorcycle crash. We’ll do everything we can to get you the compensation you deserve.