Mount Vernon Motorcycle Accident Injury Attorneys

When tragedy strikes, motorcycle injury attorneys serve as dedicated supporters for riders. Their expertise in motorcycle accident cases allows them to navigate legal challenges and ensure the justice and compensation injured riders deserve.

Motorcycle Insurance, Safety Equipment, and Tips for Iowa Riders

Riding a motorcycle offers a sense of freedom and efficiency, especially in a state like Iowa, where the seasons provide ample opportunity for riding. However, motorcyclists must be prepared with proper insurance, safety equipment, and a thorough understanding of safety practices. This comprehensive guide explores motorcycle insurance coverage, innovative safety gear, and essential tips for beginner riders.

The Importance of Motorcycle Insurance

Iowa motorcyclists must carry insurance to avoid penalties under the Iowa Financial and Safety Responsibility Act. Riding without insurance can lead to losing your license if pulled over by the police. Moreover, without proper coverage, bikers may be liable for the full cost of repairs and medical bills if at fault in an accident. Investing in comprehensive motorcycle insurance ensures a worry-free riding experience and protects against significant financial burdens.

Optional Vehicle Coverage Options

Uninsured/Underinsured Motorist Coverage:
This coverage is crucial since not all drivers carry insurance. In the event of an accident caused by an uninsured or underinsured driver, this policy ensures that your damages are covered.

Comprehensive and Collision Coverage:
- Comprehensive Coverage: Covers damages from non-collision incidents such as floods, fires, and vandalism.
- Collision Coverage: Covers repair costs if you collide with another object, excluding other vehicles.

Medical Expense Coverage:
This coverage pays for medical expenses for you and your passengers, regardless of who caused the accident. It's one of the most valuable coverage options for motorcyclists.

Roadside Assistance Coverage:
Provides free towing if you have an accident, run out of gas, or experience a breakdown. Paired with excursion diversion insurance, it also covers lodging, food, and transportation if an accident occurs more than 100 miles from home.

When Insurance is Not Enough

Despite various insurance options, severe accidents can result in damages exceeding coverage limits. In such cases, filing a personal injury lawsuit may be necessary to recover the full cost of damages. Under Iowa Code 614.1, claims must be filed within two years. 

Innovative Motorcycle Safety Equipment

Motorcycle Airbag Jackets

Motorcycle airbag jackets have revolutionized rider safety. These jackets contain airbags that inflate upon sensing a crash, providing critical protection:

- Cable-Activated Jackets: Equipped with CO2 cartridges and cables connected to the motorcycle. The airbag inflates when the rider is thrown from the bike.
- Sensor-Activated Jackets: High-tech, self-contained jackets with sensors that detect falls and inflate rapidly, often within 60 milliseconds.

Motorcycle Smart Helmets

Smart helmets enhance safety by integrating technology to reduce distractions:

- Bluetooth Connectivity: Allows hands-free communication and access to music and GPS.
- Warning Systems: Alerts riders to sharp turns and other hazards.
- Heads-Up Display: Projects maps and data directly onto the face shield, eliminating the need for handheld devices.

Essential Safety Gear

While high-tech gear is impressive, the most critical piece of safety equipment is a well-fitted helmet. Learn about fitting helmets and certification standards on our blog. Additionally, wearing gloves, boots, and eye protection is vital for comprehensive safety.

Safety Tips for Beginner Motorcyclists

Motorcycles offer an economical and environmentally friendly alternative to cars, but they come with increased risks. New riders should take extra precautions to stay safe:

Pre-Ride Checklist

- Lights: Ensure all lights are functional.
- Tire Pressure: Check and maintain proper tire pressure.
- Brakes: Verify that brakes are in good condition.

Riding Tips

- Visibility: Always ride with your lights on.
- Protective Gear: Wear helmets, protective clothing, and fully enclosed shoes.
- Traffic Laws: Adhere to all traffic regulations.
- Situational Awareness: Stay alert to your surroundings and other drivers.
- Sobriety and Rest: Never ride under the influence of alcohol or when extremely tired.

Consulting a Motorcycle Accident Attorney

The toll from severe motorcycle injuries can encompass substantial medical expenses and long-term care costs for victims and their families. Lost wages may compound matters, especially if employment becomes unrealistic for an extended period. Getting help from a motorcycle accident attorney allows the pursuit of comprehensive compensation, from financial damages and emotional distress such as pain and suffering.

Victims of these accidents should seek consultation with a motorcycle accident attorney, as damages may be extensive and recovery of compensation is important.

At Walker, Billingsley & Bair, our motorcycle accident attorneys can represent you in dealings with your insurance company, or when filing a personal injury claim. Set up your consultation now by calling 641-792-3595.