Key points
- Fault is reduced, not barred, unless your share is greater than the others' combined.
- Your own uninsured and underinsured coverage may apply.
- Most claims must be filed within three years.
Common causes
- Drivers turning left across a rider's path.
- Unsafe lane changes and following too closely.
- Gravel, potholes and poorly maintained roads.
- Distracted and impaired drivers.
Pushing back on rider bias
Insurers sometimes assume a rider was speeding or reckless. Scene evidence, vehicle damage, witness accounts, video and reconstruction can show otherwise.
Your injuries and your coverage
Motorcycle injuries are often serious. We look at every source of coverage, including the at-fault driver's liability policy and your own uninsured and underinsured motorist coverage on your motorcycle or other vehicles, depending on the policy terms.
Deadlines
Most Montana injury claims must be filed within three years. Talk with us early so evidence can be preserved.
Frequently asked questions
Does it matter whether I was wearing a helmet?
Whether helmet use can come up in a case depends on the injuries and the facts. Tell us honestly, and we will explain how it may matter.
The driver says they never saw me. Does that help them?
No. Drivers have a duty to look out for motorcycles. Not seeing a rider who was there to be seen is usually evidence of carelessness.