Motorcyclists have 32 times more chance of getting killed than passengers that travel in cars. Of all the accidents that involve motorcycles, more than half of them are caused by collisions with other vehicles. Therefore, it is important to determine who caused the accident so that the damages and insurance can be claimed. Your lawyer would argue on your behalf to make sure you get your just compensation.
To determine who pays the damages for the loss incurred due to the accident depends in the state that you are in. In some states, there is a no-fault law which does not look at who is at fault. In other states, there are laws which state that the person who is responsible for the accident is the one that needs to pay the damages. In some other states, the laws look at how much each party was negligent and accordingly assign the damages. Other factors are also taken into consideration like the weather conditions, the condition of the driver, etc. Your lawyer would be able to help you in these situations.
To be able to claim insurance, the motorcyclists should meet the licensing requirements in the state. Each state has a different method of giving a license. It varies from written to a driving test to a state approved motorcycle driving training program. The reason it is important to have a license is because 1 out of every 4 motorcycle accidents occurred to people who did not have a licence. Also, insurance requirements would also vary from state to state. It is best if you can contact your insurance agent before you buy the motorcycle so that you can get all the necessary work done.
There are different types of covers that insurance companies provide, apart from liabilities. The factors that are considered when providing insurance usually include the type of motorcycle you are using, your age, driving history, etc.
There are different laws in different states regarding scooters and mopeds. If you are more than 16 years old, you would be allowed to legally drive a scooter. There are some states in which any vehicle that have an engine more than 50cc would be considered as a motorcycle. In such cases, you would need to comply with all the licensing requirements.