Why Motorcycle Accident Claims Are Different from Car Accident Cases in Georgia

June 19, 2025

Why Motorcycle Accident Claims Are Different from Car Accident Cases in Georgia

When a motorcycle crash happens, the consequences can be far more severe than in a typical car accident. At The Lopes Law Firm, we understand the unique legal and insurance issues that arise in motorcycle accident claims across Atlanta and throughout Georgia. Here's why these cases are different — and why it’s critical to approach them with the right legal support.


Greater Risk, Greater Injuries


Motorcyclists are more exposed to serious harm in an accident. With no steel frame, airbags, or seatbelts, a motorcyclist often suffers life-altering injuries such as spinal damage, traumatic brain injuries, or broken bones — even in seemingly minor crashes. These injuries can lead to extended recovery times, long-term medical care, or permanent disability, which increases the value and complexity of the claim.


Bias Against Riders


Unfortunately, there is a persistent bias that motorcyclists are “reckless” or “risk-takers.” Insurance companies may use these stereotypes to reduce their payouts or unfairly assign blame to the rider. A key part of a successful motorcycle accident claim is pushing back against this bias with clear evidence and strong advocacy.


Different Insurance Coverage Challenges


Motorcycle insurance policies often have different terms and lower limits than auto policies. Some riders may carry minimal coverage, and certain damages like custom bike modifications or gear may not be covered unless specifically added. In hit-and-run or uninsured motorist situations, motorcyclists may have fewer recovery options unless they’ve opted into comprehensive protections.


Georgia's Comparative Negligence Rules


In Georgia, an injured person can only recover damages if they are less than 50% at fault for the crash. Insurance adjusters often

attempt to shift blame onto the motorcyclist to reduce or deny a payout. Having a law firm that knows how to investigate and document these cases thoroughly is essential to overcoming such tactics.


Why Legal Help Matters


Motorcycle accident claims often require accident reconstruction, medical experts, and an in-depth understanding of Georgia injury law. At The Lopes Law Firm, we provide legal assistance to the Atlanta public with an approach tailored to the challenges motorcyclists face after a crash. From filing the claim to negotiating with insurers and preparing for trial if needed, we work to secure the compensation our clients deserve.

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