Legal Question in Insurance Law in North Carolina
Motorcycle accident
If another person was driving my motorcycle which I only had Liability insurance on, and that person was hit by an oncoming pickup at an intersection, who would pay for my motorcycle? The police report didn't indicate any fault. The driver of my bike was injured.The other driver was not injured.
2 Answers from Attorneys
Re: Motorcycle accident
First, as a biker myself, the unbreakable rule is that you never let someone else ride your bike. There's a caveat to that code but it is not suitable for publication.
Your freind owes you a duty to return your bike to you in the same condition he borrowed it. It is up to him to either pay for the bike or to prosecute a claim against the other driver and collect from that driver's insurance.
Last, a motorcycle should not be on the road unless it is fully insured. This doesn't mean only minimum limits liability. At a bare minimum you should have liability, uninsured and underinsured motorist in the amounts of 100/300 preferably 250/500 (that's read as hundreds of thousands of dollars coverage per person/per incident).
Regards,
Roger Traversa
email: [email protected]
Re: Motorcycle accident
In addition to suing your friend, if you can establish fault or negligence of the pickup, then the pickup would be liablef or that. It sounds, however, as if liability will be disputed.