Young Motorcyclist Dies in Lexington, Kentucky Accident
An 18-year-old woman was killed in a single vehicle accident in Lexington, Kentucky on Monday, May 15, 2023. The accident took place at the intersection of Man o’ War and Armstrong Mill Road and it occurred around midnight. There are no details available at this time regarding why the young woman crashed her motorcycle.
Kentucky Motorcyclists Should purchase Kentucky No-Fault Insurance.
Kentucky law requires Kentucky no-fault insurance coverage (also called PIP coverage) on all automobiles, but not motorcycles. The lack of PIP coverage can cause the motorcycle accident victim financial hardship on a couple different levels. First, PIP coverage offers a partial lost wage benefit of $200/week and this can be valuable to someone unable to work due to their injuries. Of course, motorcycle accidents involve significant physical injuries and it is likely that the motorcycle accident victim will be off work due to their injuries. Secondly, the existence of PIP coverage extends the statute of limitations for their personal injury claims. If the motorcycle accident victim fails to settle their claim or file a lawsuit within one-year from the date of the accident, they will lose their claim entirely against the at fault party. If they had PIP coverage, they would have at least 2 years to resolve their claim or file a lawsuit.
When buying motorcycle insurance make sure that you purchase significant amounts of uninsured motorist, underinsured motorist and PIP coverages. One of the coverages that you may be able to reduce is liability coverage if you do not plan on having passengers on your motorcycle. A motorcycle does not often cause significant damages or injuries to others and, therefore, significant liability limits may not be needed. Of course, if you take passengers on your motorcycle, then significant liability limits would be necessary because motorcycle passengers can experience significant injuries or death.
I am not positive why people, who can afford significant coverages on their automobile, fail to purchase similar coverages on their motorcycle. I suppose the main reason is to save money. The problem with this thought is that many of the coverages they are not buying are cheap. One such coverage is underinsured motorist coverage. This coverage is one of the most needed and used in auto accident claims because at fault drivers tend to have minimum limits of liability coverage. Underinsured motorist insurance allows you to buy protection against being injured by drivers who do not have enough insurance to satisfy your claim. Another reason people do not buy enough insurance on their motorcycle is because insurance agents fail to properly educate them on the coverages.
Watch out for motorcyclists on the roadways!
When I hear about a motorcycle accident, I often think about how few motorcycles I see when I am driving around. On a short trip to run an errand, I may see thousands of passenger vehicles, trucks and SUVs, but I infrequently see a motorcycle. This fact is one of the reasons why it is difficult for non-motorcyclists to see motorcyclists on the roadway. Additionally, they are small and fast. All these factors make it difficult for motorcycles to be seen so that accidents can be avoided. Motorcyclists need to be aware that they are difficult to be seen and other drivers need to be looking out for motorcycles.
CONTACT KENTUCKY MOTORCYCLE ACCIDENT LAWYER
If you are involved in a motorcycle accident, you will require the services of an experienced Kentucky motorcycle accident attorney to investigate the cause of the accident and maximize all benefits available to the victims and their families. Matthew Troutman, a Kentucky motorcycle accident lawyer, of the Troutman Law Office has been handling motorcycle accident claims and auto accident claims, almost exclusively, since 1986 and has the experience and talent to obtain the best result for the victim in the above accident.
If you need legal assistance due to a motorcycle accident, contact Louisville motorcycle accident attorney Matthew Troutman directly at 502-648-9507 or 859-696-0001 and he will meet with you in the hospital, your home or wherever is convenient for you. He will give you direct access through his cell phone and guide you through the difficult process necessary to obtain the best result possible for you in your motorcycle accident claim. To learn more about Kentucky motorcycle accident attorney Matthew Troutman and the Troutman Law Office, click here.