Motorcycle Accident Settlements: Factors And Examples (2025)

Factors That Affect Motorcycle Accident Settlements

Many factors affect the motorcycle crash settlement you can obtain. Some of the more significant factors include:

Severity of the Injuries

The injuries you suffer will play the largest role in determining your settlement. Your economic losses include the financial costs that arise from your injuries. Serious injuries require more expensive medical treatment. They may also interfere with your ability to work. You can seek compensation for these losses in your claim.

Your non-economic losses include all the ways your injuries affect your quality of life. Severe injuries will often cause greater pain. They will cause more worries about your long-term health and financial situation. Serious injuries can also force you to make greater changes in your life due to disabilities. You can include all of these non-economic losses in your injury claim.

Evidence of Negligence

A majority of states use comparative negligence. Under this doctrine, the victim can share in the blame for an accident. Their compensation gets reduced in proportion to the percentage of the fault. For example, if a motorcyclist gets 25% of the blame for a crash, they can only recover compensation for 75% of their losses.

A minority of states use contributory negligence. This doctrine cuts off a victim’s compensation entirely, even if the victim was only 1% at fault.

In either case, the stronger your case is against the driver who hit you, the better your negotiating position. Similarly, a case where you bear no blame will get you a better settlement than a case where you share the blame.

Insurance Policy Limits

Your case will start with an insurance claim. Liability insurers will pay claims up to a fixed policy limit. Once the insurer hits the limit, it will not pay any more money, and you will need to seek compensation from another source, such as the at-fault driver’s personal assets.

Insurers are usually easier to collect from than individual drivers. As a result, the money you get from the insurer might be the only money you ever see. Thus, the policy limits often set a soft cap on the size of your settlement after a motorcycle crash, contributing to the statistics of motorcycle deaths each year.

Motorcycle Crash Settlement Examples

The best way to understand motorcycle crash settlements is with examples. The severity of your injuries will likely have the greatest influence on the settlement amount and the time it takes to receive it. If you suffer minor injuries, the insurance policy limits will never come into play.

For example, suppose that you suffered road rash but no other injuries in a motorcycle accident. The driver was clearly at fault because they turned left across your path when you had the right of way.

In this case, everything favors your case. You have strong evidence of negligence and your losses probably fall under the policy limits. But because your injuries are relatively minor, you will probably receive a settlement in the thousands of dollars.

Conversely, you could change a few facts and get a very different outcome. Suppose the other driver still turned left across your path, but you were speeding when you went through the intersection. As a result of the greater crash energy, the car crushed your leg instead of simply knocking your motorcycle over.

The value of this claim might be significantly larger even though you might share in the blame for your injuries. A crushed leg bone will require expensive reconstructive surgery. The screws and plates in your leg might cause chronic pain and limit your flexibility or strength.

If the surgery cost $25,000 and you missed two weeks of work recovering from it, your economic losses would equal your lost wages plus $25,000. With solid legal representation, the insurance adjuster might eventually offer a few thousand to cover your non-economic losses.

Learn More About Motorcycle Accident Compensation

The injuries you suffer in a motorcycle crash can cause permanent injuries to the head, neck, and limbs. As a result, you could suffer significant financial losses and diminishment in your quality of life.

ConsumerShield educates and supports accident victims. Our resources help you understand your legal rights and options for pursuing personal injury compensation. Most importantly, we connect you with lawyers who can help you seek the motorcycle accident settlements the law entitles you to. Fill out our contact form for a free case evaluation and to learn how we can help you.