LV Motorcycle Insurance Claims Guide – How To Claim Compensation Against Liverpool Victoria?

Accident claims against LV= motorcycle insurance guideIf you’ve been injured in a motorcycle accident that was not your fault, you may be eligible to claim compensation. If the at-fault party was insured by LV=, you could begin an LV= motorcycle insurance claim to recover any expenses your injuries have caused, as well as claiming compensation for the pain and suffering you’ve experienced. This guide has been created to offer you the information you may be looking for if you’re considering making a claim. We have included information relating to LV= themselves, as well as talking you through the process of making a claim. We have also included information about how compensation claims are calculated as well as showing you how we could help you with such a claim. To begin a claim today, or to benefit from our advice, you can talk to our specially trained advisors on 0800 073 8801.

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A Guide To Motorcycle Accident Insurance Claims Against LV= Insurance

If you have sustained injuries in a motorcycle accident, you may be wondering whether you could claim compensation for your injuries. This guide offers insight specifically on making an LV= motorcycle insurance claim for injuries sustained in accidents caused by road users insured through LV=. In it, we discuss the types of accidents that could lead to a claim, as well as explaining more about how to calculate compensation payouts, and how a solicitor could help you make a claim for compensation.

Whether you have suffered mentally, physically or financially due to an accident that was someone else’s fault, you should find the information you are looking for in this guide. If you have further questions or would like to make a claim, you can find our contact details and some further resources at the end of this guide.

What Is A Motorbike Accident Insurance Claim?

A motorbike accident insurance claim is a claim made against an insurance company for personal injuries and/or vehicle damage caused by a client of the insurer. According to statistics from the government, motorcyclists are one of the most at-risk groups on UK roads. In fact, in 2013, an average of 94 serious injuries and 6 deaths were caused to motorcyclists on UK roads.

No matter how severe your injuries, or what the cause of the motorcycle accident was, if another party was at fault, you could claim compensation for:

  • Damage to your own property
  • Physical injuries
  • Mental injuries
  • Financial harm caused by your injuries

If the at-fault party was insured by LV=, you could make an LV= motorcycle insurance claim against the other party’s policy.

Does LV= Insurance Use A Broker Or Underwriter?

Motorbike cover offered by LV= is underwritten by Allianz, who is the only shareholder of Liverpool Victoria Friendly Society Limited. You may have purchased your motorcycle insurance from a motorcycle insurance broker or by visiting their site directly. Either way, it would be Allianz who would be financially responsible for an LV= motorcycle insurance claim.

Am I Eligible To Make A Scooter, Moped Or Motorbike Accident Claim?

If you have suffered damage to yourself or vehicle due to an accident that wasn’t your fault, you may be able to claim compensation. You must launch your claim within the relevant personal injury claims time limit too. Normally, you would have to launch your claim within 3 years of the accident date. However, some exceptions to this may apply.

If you were totally at fault for the motorbike accident, you would not be able to claim for your injuries. However, if the fault was partially yours and partially another road user’s then you may be able to make what is known as a split liability claim. This means you could make an LV= motorcycle insurance claim against the other party, but your personal injury compensation may be reduced to reflect your own liability.

When Could I Make A Claim Against My Own Or Another Riders Insurance Provider?

Depending on your accident and your insurance policy, you could claim compensation in a variety of ways for damage to your vehicle and your injuries.

If The At-Fault Party Was Uninsured

If you have motorbike cover and you cause damage to your own vehicle, you could claim compensation for the damage to your bike. However, this would likely affect your no claims bonus and premiums, and you would not be able to claim compensation for any injuries you’ve suffered. If you have fully comprehensive motorbike insurance and the at-fault party wasn’t insured, you could claim compensation for your own injuries and damage to your vehicle from your own policy. This may involve paying the excess and losing your no claims bonus while they investigate your claim. However, if they find that the accident was not your fault at all they may, in some cases, refund your excess and reinstate your no claims bonus.

If you only had third party motorbike or scooter insurance and the other party was uninsured, you may still be able to make a claim for compensation. Such claims could be made through the Motor Insurer’s Bureau, and we could help you begin such a claim.

Making An LV=Motorcycle Insurance Claim Against The At-Fault Party

You could claim against the at-fault party, if they were insured, for your injuries and damage to your vehicle. If you were carrying a passenger and they were injured, they could launch their own claim against the at-fault party’s insurer.

Types Of Motorcycle Accidents

According to the Royal Society for the Prevention of Accidents (RoSPA), motorcycle accident causes could include:

  • Excessive speed
  • Junction collisions
  • Being under the influence of alcohol
  • Overtaking collisions
  • Loss of control
  • Failure to negotiate bends

Types Of Motorcycle Injuries

The types of injuries that could be suffered by those involved in motorcycle accidents could include:

  • Broken bones – blunt force trauma to the body during an accident could cause broken bones
  • Neck injuries – from whiplash to severe spinal cord injuries
  • Road rash – from scraping the body against the surface of the road. This could cause bruising, lacerations, nerve damage and even muscle damage.
  • Head injury – despite wearing a helmet, motorcyclists could be at risk of head injuries in a motorbike accident

Whatever the cause of your accident or your injuries, you could be eligible to make an LV= motorcycle insurance claim if the at-fault party was insured through LV=.

Information You Could Provider Solicitors To Help With Your Claim

You would be required to provide evidence of your accident and your injuries when making an LV= motorcycle insurance claim. While your solicitor could help you gather some evidence, you may be able to help with your case by providing:

  • A full account of the accident and your injuries as you have experienced them
  • Pictures of your injuries and the scene of the accident
  • A sketch of the position of the vehicles involved in the accident
  • Contact details for any witnesses to your accident
  • Your medical notes – if you have not got these, your solicitor could request them for you
  • Proof of any financial expenses you’ve incurred due to your injuries

Should I Directly Contact The Insurance Provider?

If you’ve been in a motorcycle accident, you should get in touch with the provider of your motorcycle insurance. Injured parties could claim compensation for their injuries from their insurer in situations where the at-fault party was not insured, and the victim has fully comprehensive insurance. Not telling your insurance company about an accident you’ve been involved with, no matter who was at fault, could potentially invalidate your own insurance.

If the at-fault party does have insurance, their insurance company may get in touch with you to offer you a settlement before you’ve even made a claim against them. This could be a pre-medical settlement, which would settle your claim quickly, but may not take into account the full extent of your injuries. For example, if you have suffered a head injury in the accident, and assume it is only minor, you could accept a pre-med offer, then suffer further symptoms due to your injury. If this happened to you, you would not usually be able to reopen the case to claim more compensation. This is why it could be a good idea to refuse a pre-med offer. Going ahead with a claim after refusing a pre-medical offer may take longer, but you could get a full medical assessment so that your compensation payout could reflect the full extent of the injuries you’ve suffered.

Do Vehicle Insurance Providers Dispute Claims?

Whether you were riding a moped, a scooter, a motorbike or another vehicle, you may find that the insurer disputes your claim. They may do so due to one of the following reasons:

  • The motorcycle accident occurred on a private road – some motorbike insurance policies only cover accidents that happen on public roads.
  • You may have been at fault for the accident – If you tried to make an LV= motorcycle insurance accident claim and the insurer’s assessment of the incident resulted in their belief that you were at fault, they may dispute your claim.
  • You did not have the required medical evidence – if you tried to claim for whiplash for example, and there was no evidence of you having suffered such an injury, your claim may be disputed.
  • You were outside of the personal injury claims time limit relevant to your claim – you would usually have 3 years from the accident date to make your claim. However, there could be some exceptions to this.

A solicitor could ensure that the case they present does not leave room for dispute, so it could be worth consulting with one before you go ahead with your LV=motorcycle insurance claim.

Can Solicitors Help You To Secure Better Damages For Your Injury?

While it could be possible to launch a claim without one, we would highly recommend finding a personal injury lawyer to help you with your LV=motorcycle insurance claim. This is because they could have the capability to fight for the maximum compensation possible for your claim, and they could also advise you on whether to accept an offer of compensation, or whether it could be possible for them to argue for a higher payout on your behalf.

If an insurer rejected or disputed your claim unfairly, a lawyer could help to put together a counter-argument so that you could receive the compensation you deserve for your injuries.

Motorcycle Accident Insurance Claim Compensation Calculator

If you’d like to get some idea of how much compensation might be appropriate for your LV= motorcycle insurance claim, you may have sought out a personal injury claims calculator to give you such information. However, the sum you would get from a calculator would not be an accurate one, as each claim would be assessed on its own merits, and no two cases are exactly the same. When you make a personal injury claim, you would be required to attend an appointment with an independent medical professional, so that a report could be completed detailing your injuries and your prognosis. This report could then be used to give a more accurate value to your motorbike insurance claim.

To give you some idea of the level of compensation your claim could bring you, we have provided a table with figures taken from the guidelines of a legal body called the Judicial College, which are used by solicitors and the courts to arrive at a value for your injuries.

If your injury doesn’t appear in this table, please do get in touch. We could provide further insight over the phone.

Type of InjuryJCG Bracket AmountRemarks
Severe injury of the ankle£29,380 to £46,980Lengthy treatment would likely be required with patient requiring a long while in plaster. They may also need plates/pins inserted surgically and despite this treatment they could still suffer a walking disability.
Moderate injury of the ankle£12,900 to £24,950Ligamentous tears or broken bones with consequences including trouble walking on uneven surfaces or traversing stairs.
Severe injury of the hips/pelvis£36,770 to £49,270Many severe injuries to the hips would land in this bracket. For examples, fracture to the acetabulum resulting in degenerative alterations. Hope replacement may be needed later on.
Lesser injury of the hips/pelvisUp to £3,710Mostly soft tissue injuries that heal completely.
Moderate injuries to the brain£85,150 to £140,870Some modest to moderate intellectual deficits could remain after recovery. The injured party’s ability to work could be removed if not greatly reduced and they could also have a risk of epilepsy.
Moderate injuries to the brain£40,410 to £85,150Concentration/memory would be affected, however there would be no significant need for the injured party to rely on others. Small risk of epilepsy may remain.
Minor injuries to the neckUp to £2,300Discomfort, pain and stiffness may be involved with a full recovery after about 3 months.

Check If You Could Be Compensated For Expenses And Losses

As well as the loss of amenity, suffering and pain that your injuries have caused you, you might also have suffered financially due to your injuries. You could also receive a motorcycle accident insurance payout for these expenses. Financial expenses could include, but may not be limited to:

  • Care expenses – If your injuries meant you needed care at home, such as assistance with dressing or washing, for example, these costs could be included as special damages in an LV= motorcycle insurance claim.
  • Medical expenses – If you needed to pay for counselling, physiotherapy or prescription costs, for example, these costs could be recovered as special damages.
  • Travel costs – Travelling to see your lawyer or to get to doctor’s or hospital appointments might also be classed as special damages.
  • Loss of earnings – If the injuries you’ve suffered have prevented you from attending work as normal, and you have lost out on income because of this, you could include loss of earnings within your motorbike accident claim. If you were prevented from returning to work at all, a future loss of earnings payout may also be included.

We should highlight the importance of keeping evidence of these expenses in order to claim for them. Payslips, bank statements and receipts could all be useful when claiming for special damages. Without proof, you would not be able to include such costs within your LV= motorcycle insurance claim.

How Accident Claims UK Could Help With Your Claim

Whether the person responsible for your motorcycle accident purchased their insurance policy through a motorcycle insurance broker, or directly from the insurer themselves, we could help provide advice and support with making an injury claim. We could even help if the at-fault party was not insured, providing you with the advice and support you may be looking for to claim through the Motor Insurer’s Bureau.

We have helped many clients in a variety of circumstances claim compensation for injuries they’ve suffered due to the actions or negligence of someone else. We believe that every claimant should be able to benefit from free advice, which is why we do not charge to assess your eligibility to claim, to answer your questions, or to provide you with a solicitor to help build your case for compensation.

We are ready and able to help you – why not get in touch to benefit from our support today?

No Win No Fee Motorcycle Accident Claims Against Insurance Companies

We would highly recommend consulting a personal injury solicitor to help you with your claim. A lawyer could assist in several ways, from building a strong case to advising you on whether to accept a settlement or fight for more compensation.  When it comes to retaining the services of such a lawyer, you might be pleased to learn that you may not have to pay them upfront, either. If you chose to work with a No Win No Fee lawyer, you wouldn’t have to pay them anything until your claim is concluded and compensation has been paid out.

The way in which this works is via a Conditional Fee Agreement, which you would be asked to sign at the beginning of your LV= motorcycle insurance claim. This document would agree to pay your solicitor a legally capped, small success fee if they were able to secure you a compensation settlement. If the lawyer didn’t get you any compensation, you would not have to pay this fee. You would not have to cover the solicitor’s costs incurred as a result of pursuing your claim either.

We know you might have some questions about making a motorbike insurance claim in this way. If you do, please call us. Not only could we answer your queries, but we could also connect you with a personal injury lawyer who could take your case forward on these terms.

Contact Us To Claim Compensation

Would you like to get started with an LV= motorcycle insurance claim, or do you have further questions? Either way, we could help you. You can get in touch with us via:

Our team are waiting to hear from you. Why not get in touch today to access the help and support you may be looking for.

Helpful Resources

Claiming Road Traffic Accident Compensation – In this guide, we offer general guidance to claimants. Pursuing road traffic accident compensation.

Claiming For Whiplash – Whiplash compensation claims information can be found in this guide.

Head Injury Claim – If you’ve sustained a head injury in an accident that was not your fault, this guide could prove useful.

Head Injury (Severe) – If you have sustained a serious head injury in an accident on your motorbike this NHS guidance could be useful to you.

Traffic Accident Statistics – Road accident statistics produced by the government can be seen here.

Causes Of Motorcycle Accidents–ROSPA has provided some insight into the causes of motorbike accidents. 

 

Guide by JJ

Edited by REB