A guide to what happens next after a motorcyclist has been injured in a motor vehicle collision.
If your motorcycle was damaged due to the fault of another, take photos and contact your insurance company. They can advise and even pay for the damage, then they will pursue getting paid back from the at-fault party or insurance carrier. Alternatively, you may directly contact the at-fault party's insurance carrier. They will likely inspect the motorcycle and decide if it is totaled or repairable. If totaled, they owe you the fair market value for the motorcycle. What you owe on the bike does not matter. If the damage isn't a total loss, you may need to cooperate with the insurance carrier on getting a few estimates and using a collision center of their choosing for repair. The carrier should provide you with a rental vehicle during the time your bike is not usable.
In Arkansas, a motorcyclist may recover medpay coverage from the at-fault insurance carrier, if the motorcyclist doesn't carry "medpay" themselves. This is coverage for medical bills (often $5,000), without regard to fault. Additionally, a motorcyclist should make their liability injury claim against the at-fault person's carrier.
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