Insurance Rates After a McKinney Motorcycle Accident

Do Motorcycle Wrecks Affect Insurance Rates More than Car Wrecks?

Liability insurance rates can be affected by an at-fault wreck. If someone is driving a vehicle, whether it is a motorcycle or a car, and they fail to stop at a stop sign or are distracted in some manner, any harm they cause a third party, as a result, is going to affect their rates. However, for people driving a vehicle, it is likely to affect their rates less if they happen to hit a motorcycle than if they hit another car because insurers understand it is harder to see motorcycles than it is another vehicle. Similarly, there are a lot fewer motorcycles on the road than there are vehicles on the roads, so the chances of someone getting in a similar wreck in the future are not as high. Alternatively, if someone in McKinney is on a motorcycle and they negligently cause a wreck—for instance, they run into a pedestrian or ignore traffic signals and hit another vehicle—their insurance rates generally increase dramatically. Insurers figure that someone on a motorcycle should be more careful than other motorists, and if a biker is seen as less careful, the rates they pay are going to be substantially higher.