Riding a motorcycle in Colorado provides some of the country's most breathtaking views and exciting road experiences. Whether cruising through the Rocky Mountains or navigating the busy streets of Denver, motorcyclists experience unparalleled freedom. However, this freedom comes with unique risks. Unfortunately, when accidents occur, insurance companies often shift the blame onto riders, even when they’re not at fault. In the following blog, we will break down the common causes of motorcycle accidents in Colorado, why insurance companies blame riders, and how to safeguard yourself after a crash.
Common Causes of Motorcycle Accidents in Colorado
Motorcycling in Colorado offers breathtaking views and a sense of freedom but also comes with unique risks. Understanding the common causes of motorcycle accidents can help riders and drivers alike remain vigilant and work to prevent these devastating incidents.
- Distracted Drivers: Distracted driving is one of the leading causes of motorcycle accidents. Drivers who are texting, talking on the phone, or adjusting their radios often fail to notice motorcycles. A moment's distraction can lead to devastating collisions.
- Left-Turn Accidents: Left-turn collisions are extremely dangerous for motorcyclists. These crashes often occur when a vehicle turns left in front of an oncoming motorcycle. Misjudging the bike’s speed or failing to see it entirely can result in severe accidents.
- Road Hazards: Potholes, loose gravel, wet pavement, and random debris pose significant risks to motorcyclists. While these obstacles are minor inconveniences for cars, they can be life-threatening for riders, especially in Colorado’s unpredictable weather.
- Speeding and Reckless Driving: Speeding or reckless driving doesn’t just come from motorcyclists; car drivers can also be at fault. However, after a crash, insurance companies may try to blame the motorcyclist regardless of the actual circumstances.
- Impaired Driving: Despite Colorado’s strict DUI laws, impaired drivers remain an enormous danger. When drunk or drugged drivers collide with motorcyclists, insurers often attempt to argue that the rider was at fault due to visibility or unsafe driving.
By acknowledging these common causes, we can all strive to create safer roads. Whether through increased awareness, better infrastructure, or stricter enforcement of traffic laws, every step taken helps protect Colorado’s motorcyclists from preventable accidents.
Why Insurance Companies Blame Motorcyclists
Motorcyclists often face significant challenges when seeking fair treatment from insurance companies after an accident. Despite Colorado's efforts to protect riders, systemic biases, and exploitative strategies often leave motorcyclists fighting an uphill battle for rightful compensation. Understanding the tactics insurers use is essential for riders to defend their claims effectively.
Built-In Bias Against Riders
There’s a common stereotype that motorcyclists are reckless and aggressive. While this doesn’t apply to most riders, insurance companies harness these biases to minimize or deny claims unfairly.
Colorado’s Comparative Negligence Laws
Colorado operates under comparative negligence laws, meaning that if a rider is found partially at fault, their compensation is reduced by that percentage. If a rider is deemed more than 50% at fault, they’re ineligible for any compensation. Insurers exploit this by arguing that motorcyclists contributed to the crash.
Lack of Evidence or Witnesses
Motorcycle accidents often happen quickly and leave limited hard evidence. Insurers may claim the rider was at fault without witnesses or video footage to avoid paying out.
Helmet and Gear Blame
Although Colorado only requires helmets for riders under 18, insurers may attempt to reduce payouts if an adult rider wasn’t wearing one, arguing that injuries were partially their own responsibility. They may also scrutinize the rider’s clothing and gear choices to shift blame.
By recognizing these strategies and preparing for them ahead of time, motorcyclists can take proactive steps to protect their legal rights. Whether by gathering evidence, consulting experienced attorneys, or understanding insurance policies in-depth, riders can challenge unfair biases and secure the compensation they deserve.
How to Protect Yourself After a Motorcycle Accident
After a motorcycle accident, taking the right steps immediately can significantly impact your ability to recover compensation and protect your rights. The aftermath of a crash can be overwhelming but staying focused and proactive is crucial to building a strong case.
Call 911: Always report the accident, no matter how minor it seems. A police report is essential for proving fault.
Gather Evidence: If you can do so safely, document as much as possible, including:
- Photos of the crash scene and vehicles
- Road conditions
- Visible injuries
- Witness contact information
Avoid Admitting Fault: Stick to the facts when speaking to police or insurance adjusters. Even casual statements like “I’m sorry” can be twisted into an admission of guilt.
Get Medical Attention: Some injuries aren’t immediately apparent. Seeing a doctor ensures your injuries are documented and treated, helping support your claim.
Consult a Motorcycle Accident Attorney: Insurance companies have entire teams focused on minimizing payouts. Partnering with an experienced personal injury attorney can help level the playing field and ensure you receive the compensation you deserve.
By remaining composed and following these steps, you can safeguard your legal rights and set yourself up for a smoother recovery process. Taking early action not only helps protect your interests but also strengthens your claim against potential insurance disputes.
Why Injured Motorcycle Riders Need Legal Assistance
Motorcycle riders face unique challenges on Colorado’s roads, and the fight doesn’t end when an accident occurs. Insurance companies are often quick to blame riders, using stereotypes and technicalities to reduce or deny claims. Don’t face these battles alone—knowledge, evidence, and professional legal support are your best tools for securing fair compensation. If you’ve been involved in a motorcycle accident in Colorado, and the insurance company is trying to deny your claim or shift blame, stand up for your rights.
Contact the experienced motorcycle accident attorneys at Veritas Injury Lawyers today.
