Just Motorcycle Insurance Claims Guide – How To Claim Compensation Against Just Insurance?

Accident claims against Just motorcycle insurance guide

If you have been injured in a road traffic accident due to a motorcyclist acting negligently, you may be entitled to claim compensation. If the motorcyclist has obtained their policy through the broker Just Motorcycle Insurance, your claim will be made against the underwriter of that policy. This Just Motorcycle Insurance claims guide, will explain how the process of making a claim will work.

Accident Claims UK can provide you with a knowledgeable personal injury solicitor to handle your claim with the motorcycle insurance provider. Your solicitor will make sure that your claim is valued accurately and will negotiate the best deal possible with the insurance company involved.

To begin your claim involving a policy acquired through Just Motorcycle Insurance, call Accident Claims UK today for your free consultation on 0800 073 8801. An advisor will speak to you in-depth and if we can see that you are owed compensation, an expert personal injury lawyer will start working on your claim as soon as possible. Alternatively use our online claims form, to reach us today.

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A Guide On Claims For Motorcycle Accidents And Injuries

Anyone using a motor vehicle on the roads of the United Kingdom has a duty of care to their passengers and other road users. This means that they are legally obliged to drive or ride their vehicle in a manner that upholds the safety of others. If a driver or rider of a motorbike, scooter, moped or any other motor vehicle causes an accident in which another road user is injured, they could be held liable for any injuries caused. As a result, the injured person may be entitled to claim compensation from the rider. Claims in this instance would be made against the motorbike insurance policy, scooter insurance policy or moped insurance policy that the rider is insured with.

If your accident was caused by a motorcyclist that had acquired their insurance through Just Motorcycle Insurance, your claim will be made against the insurer provided by Just Motorcycle Insurance. You can also claim compensation for scooter accidents and moped accidents. In this guide we will explain how to make a motorcycle insurance claim for compensation and will explain how appointing a solicitor to handle your claim can help to ensure that you receive the optimal amount of compensation that you are eligible to claim.

If you wish to claim compensation for being injured in a scooter accident, motorbike accident, moped accident or any other type of accident on the road, call Accident Claims UK today for your free consultation. Alternatively, use our online claims form to arrange for a suitable time for us to reach out to you.

What Are Motorcycle Injury Claims?

A motorcycle injury claim is an action for compensation which can be made by anyone who has been injured in an accident caused by a motorcyclist.

Who can make a motorcycle accident compensation claim?

  • A motorbike passenger (also known as a motorcycle pillion passenger).
  • A pedestrian.
  • Another road user, including a cyclist, motorbike rider, a car driver or passenger.

To make a claim for compensation, you will need to provide evidence that the motorcyclist caused the accident by riding negligently and this directly contributed to your injuries. Your solicitor will be able to gather evidence such as police reports and medical records to create a strong case to support your claim.

Does Just Motorcycle Insurance Act As A Broker?

Just Motorcycle Insurance is an insurance broker. This means that they sell insurance policies on behalf of insurance companies. In this instance, insurance companies are referred to as underwriters. If your motorcycle accident insurance claim is successful, it will be the insurer that pays out, not the broker. 

Eligibility To Claim For Motorcycle, Moped Or Scooter Accidents

Under what circumstances can you claim compensation for a road traffic accident caused by a motorbike? A pedestrian, motorbike pillion passenger or other road user is eligible to claim compensation if there is evidence that the rider caused the accident by breaching their duty of care on the road,  causing injuries.

What happens if both parties were partially at fault in causing the accident? This is called split liability. These cases are usually dealt with by a judge in a civil court who determines what extent each party is liable. For example, a motorcyclist may be 75% responsible for the accident and a pedestrian might be 25% responsible. In this case, the pedestrian would be able to claim 25% of the compensation they would have been able to claim had the motorcyclist been 100% liable for the accident. A split liability claim is still worth pursuing as you will still be able to claim compensation for your injuries.

What Motorbike Accidents Or Injuries Could Be Claimed For

If you are injured due to a motorbike accident, you will be able to claim compensation for your injuries and any expenses incurred due to your accident, such as repairs to your vehicle.

Motorbike accidents can cause serious injuries, including motorcycle back injuries, motorbike head injuries, motorbike hand injuries and incidents where motorcycle riders are killed. We will now look at some common accidents involving motorbikes and what injuries they can cause.

Accidents Involving Motorbikes

Here are some leading causes of accidents involving motorbikes:

  • Drivers failing to look properly as they leave junctions, change lanes or turn left or right, which can cause them to hit a motorcyclist.
  • Drivers often misjudge the speed that a motorcyclist travels at. Therefore they may pull out of a junction when they don’t have time, causing a collision.
  • Motorcyclists can collide with other road users including cars, buses, other motorcycles, pedal bikes, pedestrians and horses, due to errors in judgement.
  • A motorcycle, scooter or moped rider can be hit if a car changes lanes without checking their blind spot, therefore moving into their space.
  • Poor conditions on the road, or substances being spilt on the road, can cause the motorbike to lose grip.

Although this guide is focusing on accidents caused by errors in judgement made by motorcyclists, we fully acknowledge that motorcyclists are often victims of road traffic accidents. In fact, they are disproportionately killed in road traffic accidents, due to their vehicle not having a protective outer layer on their vehicles like a car or a van.

Injuries Caused By Motorbike Accidents

Motorcyclists can suffer serious injuries if they are involved in a road traffic accident. Here are some examples of injuries that motorcyclists could suffer.

  • Head injuries: Motorcyclists wear helmets but can still suffer head injuries, especially if they are thrown from their bike. This can include a concussion or a more serious injury such as a cracked skull. These sorts of motorbike accidents can result in the rider being killed or can have long-term effects on the person’s cognitive functions.
  • Broken bones: The impact of motorbike accidents can cause broken bones, including motorcycle hand injuries, broken arm or leg injuries, or broken spine injuries, which at worst, can leave the rider paralysed.
  • Road rash: Road rash is an injury caused by a motorbike rider being thrown from their bike and suffering injuries caused by friction with the road. These injuries can include cuts and soft tissue damage.
  • Neck Injuries: Neck injuries such as whiplash can occur in a motorcycle accident. Fortunately, whiplash, though debilitating, often heals on its own over time. Unfortunately, motorcyclists can also receive more serious neck injuries as a result of an accident, such as a broken neck. This can cause severe disability, permanent paralysis or death.

Supporting Evidence For Motorcycle Accident Claims

As part of the claims process, your solicitor will arrange for you to be examined by an independent medical expert. Following your assessment, the doctor will produce a medical report which will diagnose your injuries, explain what treatment you will need, and how they are likely to affect your quality of life going forward. Your solicitor will use this information to value your claim and will also use your medical report as evidence to support your case. Other pieces of evidence that may be used to support your compensation claim include police reports, eye witness statements, security camera footage of the accident, and photographs of any injuries you sustained or damage to your vehicle.

Should You Contact An Insurance Company Directly?

Accident Claims UK recommends that you don’t accept a compensation award without first seeking legal advice. The Law Society recommends that you appoint a solicitor to handle your claim for compensation for a road traffic accident involving a motorbike. This is because a solicitor understands the legal processes and procedures, will know how to present a case for compensation to the insurance provider and negotiate with their lawyers. This all ensures that you get the right amount of compensation for your claim. 

Accident Claims UK offers a free consultation to anyone looking to make a claim for compensation. If you wish to make a motorcycle insurance claim but still have questions, call us today to speak to an advisor who will be happy to discuss your case with you.

Considerations Insurance Companies May Make

If you make a Just Motorcycle Insurance claim for compensation, it will usually be settled by your solicitor, negotiating with the insurance company. Most claims are settled outside of court. If the insurer disagrees with your claim, you may have to go to court to have your claim presented in front of a judge, who will decide the final outcome. This, however, is very rare.

Insurance companies often have terms and conditions which mean that they will not cover the claim if these terms have been broken. Examples of conditions that motorbike insurance companies set can include:

  • The vehicle was only insured for commuting and not other purposes
  • The vehicle was used by someone who did not hold an insurance policy for it
  • The vehicle had been modified

Could A Solicitor Help You Secure More Compensation?

A solicitor can help you secure more compensation from the motorcycle insurance provider. The defendant may offer a compensation settlement that you and your solicitor believe is too low. The solicitor may reject the offer and present evidence to argue that you should be offered a higher amount of compensation. This will often result in you receiving a greater offer.

Motorcycle Injury And Accident Claims Calculator

If you have been injured because of a road traffic accident that was not your fault involving a motorcycle, you may be entitled to claim compensation. Your compensation package may include general damages and special damages. General damages are intended to compensate you for the physical harm and psychological suffering inflicted by the injuries. Special damages are designed to reimburse you for any expenses you have incurred as a result of being injured. If your vehicle was damaged, you can also claim funds to have it repaired or replaced.

You can use our personal injury compensation claims calculator to estimate how much you could receive in general damages. These compensation amounts are based on guidelines from the Judicial College.

Injury TypeSeverity LevelCommentsEstimated Compensation
Brain damageModerately severeThis is a serious and wide level of compensation. How much is awarded will depend on the claimants life expectancy, their physical limitation, how dependant they are and other factors.£205,580 to £264,650
Brain damageModerate - 3The ability to work has been reduced, though there is some. Effects on the memory and ability to concentrate.£40,410 to £85,150
Psychiatric injurySevereSevere impacts on the person’s ability to live a normal life including their ability to work and maintain relationships.£51,460 to £108,620
PTSDSevereThere will be permanent effects on the claimants ability to work and carry out normal tasks.£56,180 to £94,470
Knee injurySevere - 2Fractures of the leg which extend into the knee joint. This may limit movement in the joint and cause related problems.£48,920 to £65,440
Knee injuryModerate - 1Might include tears to the soft tissues such as meniscus cartilage tears.£13,920 to £24,580
Neck injuryMinorSprains and strains with a full recovery within 3 monthsUp to £2,300
Kidney injury(c)Loss of one kidney, not damage to the other kidney.£28,880 to £42,110

This is an approximate estimate of how much compensation you could claim. Of course, every claim is different so to receive an accurate quote of how much you could be entitled to, call Accident Claims UK to speak to an advisor.

Check What Expenses Or Losses You Could Claim For

If your motorbike insurance claim is successful, you could be awarded special damages to compensate you for financial losses and expenses that you might have experienced as a result of being injured. The expenses you could potentially claim may include medical expenses, travel expenses, reimbursement for any lost income, care expenses and in the unfortunate event that you became disabled, mobility equipment and home adaptation expenses. In order to be successful in arguing this side of the claim, you need evidence. Therefore, keep hold of all receipts, bills and statements and provide them to your solicitor.

How Our Team Could Help You With A Motorcycle Accident Claim

If you have been injured in a motorcycle accident, moped accident or scooter accident though no fault of your own, you may be owed compensation. Accident Claims UK can help you claim compensation for your injuries. We can also offer:

  • A personal injury solicitor with three decades of experience handling personal injury claims.
  • Your solicitor will push to win you the optimal amount of compensation you could be owed.
  • You can have your claim handled on a No Win No Fee basis.

Call Accident Claims UK for your free consultation and if you have legitimate grounds to claim, we will provide you with an excellent personal injury solicitor to handle your case.

No Win No Fee Motorcycle Injury Claims

Accident Claims UK can handle your claim on a No Win No Fee basis. This means that a solicitor can start working on your motorcycle insurance claim, scooter insurance claim or moped insurance claim without charging you an upfront solicitors fee. Instead, you will be charged a success fee on the condition that you win your claim. Success fees are capped by law so you won’t have to worry about losing lots of your compensation. This means that making a No Win No Fee claim involves less financial risk and is the more affordable option for many of our clients.

To learn more about making a No Win No Fee claim, call Accident Claims UK to speak to an advisor.

Talk To Our Team

If you believe that you are owed compensation for injuries caused by a motorbike accident, call Accident Claims UK for your free consultation. If we can see that you have legitimate grounds to claim, a solicitor will start working on your case as soon as possible.

Call us on 0800 073 8801 or use our online claims form to reach us.

Helpful Resources

Motorcycle Accident Claims Guide – How Much Compensation Can I Claim?

A Guide To Car Accident Claims – How Much Compensation Can I Claim For A Car Accident?

Road Traffic Accident Claims? – A Guide To Claiming Compensation – How Much Compensation Can I Claim?

External Resources

A government guide to vehicle tax, MOT and insurance – Find out more at this resource.

Motorcycle Safety – Motorcycle safety advice from the British Motorcyclists Federation

 

Guide by HC

Edited by REB