Why rider claims can be harder
Many crashes happen when a driver says they never saw the motorcycle, often while turning left or changing lanes. Insurers sometimes assume a rider was speeding or weaving, even with no proof.
Clear evidence helps push back on that. Photos, witnesses and helmet cam or dashcam video can all show what really happened.
Helmet laws in each state
In Arizona, riders and passengers under 18 must wear a helmet (A.R.S. § 28-964). Adults aren't required to by that law.
In Georgia, every person operating or riding on a motorcycle must wear protective headgear (O.C.G.A. § 40-6-315). If you weren't wearing one, tell an attorney up front so they can explain how it may affect your claim.
The 3-Point Claim Check
- 1
An injury
You were hurt, even if it didn't seem serious at first.
- 2
Someone else at fault
Another driver or company caused the crash.
- 3
Insurance coverage
There's a policy that may cover what happened.
Lane splitting and lane filtering
Georgia doesn't allow riding between lanes of traffic or between rows of vehicles (O.C.G.A. § 40-6-312).
Since September 2022, Arizona has allowed lane filtering in limited cases. A rider may pass stopped vehicles between lanes on a road with at least two lanes in the same direction, a speed limit of 45 mph or less, and the rider going no faster than 15 mph, if it can be done safely. Outside those limits, it isn't allowed.
How fault can affect your claim
In Arizona, you can still recover if you share some fault, but your amount is reduced by your share (A.R.S. § 12-2505). In Georgia, you can only recover if you were less than 50% at fault, and your amount is reduced by your share (O.C.G.A. § 51-12-33).
That's why it's smart not to guess or apologize when talking to the other driver's insurer.
What to save after a crash
- Your helmet and riding gear, without repairing or throwing them out.
- Photos of the bike, the car and the road surface.
- Any helmet cam or dashcam footage.
- Witness names and numbers.
- Medical records, including for road rash and scars.
Talking to an attorney
Motorcycle injuries can take a long time to heal, and the full cost may not be clear for months. A local attorney can help you understand what the claim may cover before you accept any offer.
It's free to check your claim, and you don't have to go ahead.