Maybe you were on your way to a show, or perhaps you were just out for a relaxing Saturday night cruise. You were on your motorcycle, abiding by all Texas state traffic laws, when someone in a four-wheel vehicle swerved into your lane or drove head-on into you as you lawfully proceeded through an intersection. You ended up in the hospital with broken bones or worse.
As a professional musician, you need to be able to sit or stand comfortably for hours to perform a show or have full use of your hands and arms to perform your music. You could face a major setback to your career because of a motorcycle crash that leaves you with injuries. What rights do you have after such a collision?
The right to an insurance claim
Texas state law requires that every driver have insurance on their vehicle which helps protect you after a crash. Liability-based coverage allows those who are not to blame for a wreck to file an insurance claim.
The other driver should have at least $30,000 worth of bodily injury coverage that can pay for your lost income and medical bills. There should also be at least $25,000 to cover the cost of property damage losses, which may include damage to your motorcycle and other property damage caused by the collision.
Unfortunately, motorcycle collisions involving four-wheeled vehicles often result in catastrophic injuries and property damage losses. The insurance coverage could fall far short of the true financial impact of your injuries. What happens then?
The right to take the other driver to court
Texas law allows those hurt by the actions or negligence of another person or a business to pursue a personal injury lawsuit. You can file a claim in civil court requesting compensation from another driver or possibly a business with liability for the collision. They may be responsible for your provable losses. If you lost work or ended up in violation of a contract because of your injuries, you can potentially hold the driver who hit you accountable for those losses.