What if I Get In An Accident Out-Of-State On My Motorcycle?

Taking a long-distance motorcycle trip across state lines offers thrilling freedom and adventure. Unfortunately, accidents can happen anywhere, and being involved in a crash far from home adds a layer of complexity to an already difficult situation. Understanding what to do in these circumstances can help you manage the aftermath more effectively.

Immediate Steps After an Out-of-State Accident

Regardless of location, your priorities remain the same:

• If possible, move to a safe area and check for injuries.
• Alert local law enforcement and emergency services.
• Take photos and gather witness information if you can.
• Even if your injuries seem minor, get checked out by medical professionals.
• Report the accident to your insurer as soon as possible.

Insurance Coverage for Out-of-State Accidents

The good news is that most motorcycle insurance policies cover you regardless of your state when an accident occurs. However, there are some key points to remember:

• Coverage Limits – Your policy limits and types of coverage remain the same, even if the state you’re in has different minimum requirements.
• Out-of-State Endorsements – Some policies automatically increase your coverage to meet the minimum requirements of the state you’re in if they’re higher than your home state.
• Uninsured/Underinsured Motorist Coverage – This coverage becomes especially valuable if a driver with inadequate insurance in a state with lower minimum requirements hits you.

Review your policy before embarking on an out-of-state trip, and consider increasing your coverage if needed.

Understanding Different State Laws

Each state has traffic laws, insurance requirements, and legal procedures for dealing with accidents. Some critical factors to consider include:

• Fault vs. No-Fault States – Some states use a “no-fault” system for insurance claims, while others rely on a fault-based system in accidents.
• Helmet Laws – If you’re in a state with stricter helmet laws than your home state, you must follow the local regulations.
• Statute of Limitations – The time limit for filing a lawsuit varies by state.
• Comparative Negligence – States have different rules about assigning fault when multiple parties contribute to an accident.

Legal Considerations

If the accident results in significant injuries or property damage, legal issues become more complex:

• Jurisdiction – The case will typically be handled in the state where the accident occurred.
• Local Representation – You may need to hire an attorney who’s licensed in the state where the accident happened.
• Travel for Legal Proceedings – Be prepared to return to the accident state for court appearances or depositions.

Preventative Measures for Out-of-State Rides

While you can’t eliminate all risks, there are some steps you can take to prepare for potential out-of-state accidents:

• Understand your insurance coverage and consider increasing limits for long trips.
• Keep insurance information, emergency contacts, and medical details easily accessible.
• Consider apps or services that provide emergency assistance and location sharing.
• Familiarize yourself with local laws and emergency services along your planned route.
• Ensure your motorcycle is in top condition before long-distance rides.

In your excitement to plan and embark on an out-of-state motorcycle trip, always remember that your safety comes first. Everything else can be sorted out with time and proper legal assistance.

Involved in an Out-of-State Motorcycle Accident? Law Tigers Has Your Back

Accidents can be overwhelming, especially when they happen far from home. Now you know, “what happens if I get in an accident out-of-state,” and Law Tigers is here to support you, wherever they are. With our nationwide network of member attorneys who understand motorcycle law, we can help guide you through the legal complexities of an out-of-state accident. From understanding local laws to handling insurance claims, Law Tigers is dedicated to protecting riders on and off the road.

Don’t let an accident stop your adventure. Reach out to Law Tigers – your trusted motorcycle accident attorneys.