Markerstudy Motorcycle Insurance Claims Guide – How To Claim Compensation Against Markerstudy Insurance

Motorcycle accident insurance claims against Markerstudy insurance guide

Bikers are more at risk of being seriously injured in road traffic accidents and often the injuries are life-altering. If you were in an accident and the other party was insured with Markerstudy, you could seek compensation from the insurance provider. If you were partly to blame, you may still be able to pursue a motorcycle accident claim against Markerstudy Insurance in which case split liability would apply.

To find out more about claiming compensation for injuries suffered in a motorbike accident, the sort of evidence needed and how a solicitor could ensure you are awarded an acceptable level of compensation, please get in touch with one of our advisers on 0800 073 8801.

For more information on the claims process and how to go about seeking compensation for injuries sustained in a motorbike accident, please continue reading our guide by clicking on the links below.

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A Guide On Motorcycle Accident Insurance Claims Against Markerstudy Insurance

Our guide on pursuing a motorcycle accident claim against Markerstudy Insurance covers the claims process, the sort of evidence required to support a claim, and how much you could be awarded for the injuries and damage you suffered. We explain how liability is established, and how split liability may affect a claim against the insurance provider.

The guide explains what a No Win No Fee Agreement entails, and when a ‘success fee’ would be payable for the legal representation provided. We also explain how having a  solicitor acting on your behalf when making a motorcycle accident claim against Markerstudy Insurance would ensure the level of compensation awarded is fair.

We also explain that should your case be complex, and therefore a final settlement would take longer to reach, how we would negotiate interim payments be paid to avoid you having to cope with any financial hardship on top of the injuries you suffered.

If you would like to discuss your case with a member of our team, please contact us today.

What Is A Motorbike Accident Claim?

You could be injured in a motorcycle accident on UK roads in various ways, whether on a rural road or built-up area. No matter how careful you are when out on your motorbike, accidents do happen, whether through rider error or because of the negligence of another road user. If you suffered injuries and damage in a road traffic accident and the other party was insured by Markerstudy, you may be able to file a personal injury claim against the insurance provider.

The most common causes of a motorcycle accident on UK roads are as follows:

  • When changing lanes
  • Speeding
  • Filtering through slow-moving or stationary traffic
  • Dooring
  • Going around-left hand bends
  • Sudden stops
  • Equipment defects
  • Loss of control
  • Inexperience

The most common injuries that bikers suffer when involved in road traffic accidents are as follows:

  • Concussion
  • Skull fractures
  • Brain damage
  • Whiplash
  • Broken bones
  • Fractures
  • Road rash
  • Neck injuries

To discuss a motorbike accident claim against Markerstudy Insurance, please contact a member of our team on 0800 073 8801 who can offer advice on how best to proceed.

Do Markerstudy Insurance Use An Underwriter Or Broker?

Markerstudy offers products through their broker partners that feature on major websites which include Go Compare, Confused.com and Compare the Market.

The brokers they work with are located throughout the UK, with Markerstudy being regulated by the FCA – Financial Conduct Authority.

The broker’s role is to provide all customers with a comprehensive service which includes the following:

  • Finding the right policy to suit a customer’s needs
  • Providing assistance in the event of making an insurance claim

Check If You Are Eligible To Claim Compensation

Should the other party involved in your motorcycle accident be insured with Markerstudy, you may be able to seek compensation for any injuries and damage you sustained in the incident by filing a personal injury claim against the insurance provider. However, you must be able to produce enough evidence to support your claim for the insurer to consider a payout. This applies to whether you were partially at fault, or because the other party caused the incident in which you were injured.

Should it be found that both parties contributed to the motorcycle accident, your claim would be made on a ‘split liability’ basis. As such, the amount of motorcycle injury compensation awarded would be less than if the accident was caused by the other party insured with Markerstudy Insurance.

For more information on split liability, please get in touch with one of our advisers today.

Motorcycle Accidents And Injuries You Could Claim Compensation For

There are many situations and circumstances which could lead to a motorcycle accident occurring, whether in a town or on a rural road. The sort of injuries you could sustain may be minor to catastrophic. If the incident was caused through the negligence of another road user, you may be entitled to claim compensation for the injuries and damage you sustained.

Common Types Of Accidents On Motorbikes

Some of the most common motorcycle accidents are the result of the following actions on the part of drivers:

  • A failure to look
  • Misjudging the speed at which a motorcyclist is travelling
  • Blind spots causing a driver to miss seeing a motorcyclist
  • Colliding with a motorcyclist who is stationary
  • Opening a car door and hitting a motorcyclist or causing them to swerve – known as dooring

Accidents that happen due to an error on the part of a motorcyclist include the following:

  • A failure to predict a driver’s manoeuvre
  • A failure to pay attention to poor road surfaces
  • A failure to notice hazards on the road
  • A failure to ride appropriately/safely when weather conditions are poor
  • Overconfidence

Common Injuries From Motorcycle Accidents

Motorcyclists may have more freedom to negotiate their way through traffic than car drivers but on the downside, they have far less protection when involved in a road traffic accident. As such, when a biker is involved in a motorcycle accident, the rider and their equipment typically come off worse. The result is that a motorcyclist is far more likely to sustain serious injuries, with the most common being as follows:

  • Head injuries are among the most commonly sustained biker injuries, and includes, concussion, fractured skulls, and brain damage. Severe injuries to the head can prove fatal
  • Broken bones which include broken or fractures to arms, hips, legs, feet, and wrists
  • Road rash is another injury that bikers commonly sustain in road traffic accidents. It can cause slight bruising, scrapes or cuts to serious gashes, nerve damage and muscle damage
  • Neck injuries are another common biker injury sustained in motorcycle accidents. The damage sustained to the neck could be slight to something catastrophic which results in paralysis or even death

Helpful Information To Support Your Claim

You would need sufficient evidence to support a motorcycle claim, whether you were partially liable for the accident or the incident was caused by another road user. This should include the following:

  • Photos of injuries sustained and damage suffered
  • Dashcam/CCTV footage if available
  • Photos of where the motorcycle accident occurred
  • Statements from witnesses and their contact details
  • The other party/parties details
  • Medical evidence – this could be a medical certificate, letter from a consultant, a report on the medication you have been prescribed, x-rays, scans, discharge sheet from the hospital where you were treated, or a therapist’s care plan if you suffer from any mental issue caused by the motorcycle accident

If you are unsure as to what sort of evidence you should provide to support a motorcycle accident claim, please speak to one of our advisers today. They would assess your case in a no-obligation, free consultation and would provide essential advice on whether you could pursue a claim against Markerstudy Insurance.

Should I Get In Touch With An Insurance Company Directly?

You could contact the insurance company directly, but it is far better to seek legal advice beforehand. The reason being that insurance providers will do their level best to offer a lower amount in motorcycle accident compensation.

They may offer a settlement without you being examined by an independent medical professional. They prefer to do so because it means they may not have to pay out more in the way of compensation. Without a medical report, it would be virtually impossible to accurately value a claim.

Having the legal expertise of a solicitor means you would be examined by an independent specialist. Their medical report would be used to calculate the value of general damages you could be awarded in a successful motorcycle accident claim. In short, settling a personal injury claim too early by accepting an initial offer made by an insurance provider could mean you are not awarded the level of compensation you deserve.

How Insurance Providers Assess Claims

If you were injured in a motorcycle accident, an insurance provider would carefully consider any claim for compensation that you file. They would investigate the circumstances surrounding the incident to establish who would be held responsible.

An insurance company would also determine whether you contributed to the accident happening and the injuries you sustained which, in short, would mean a claim would be based on split liability.

Insurance companies may reject a claim for compensation for the following reasons:

  • Because you failed to disclose relevant information about the accident
  • Because you failed to report the incident or to contact the police
  • Because you were using your motorcycle incorrectly
  • Because you accepted ‘liability’ at the scene of the motorcycle accident

To avoid any complications and delays in receiving compensation following a motorcycle accident, it is far better to speak to a solicitor as soon after an accident as feasibly possible.

A member of our team would be happy to take your call and provide essential advice on how best to pursue a motorcycle accident claim and whether this could be a claim against Markerstudy Insurance.

Could Our Solicitors Help To Secure You A Better Injury Settlement?

Claiming compensation for injuries sustained in a motorcycle accident can be a drawn-out, complex legal procedure, more especially if an insurance provider chooses to dispute the claim. Having legal representation can make the whole process far less daunting to those who do not have much experience in communicating and negotiating with insurance providers.

A solicitor is also aware of what evidence is required to support and strengthen a claim and would arrange for you to be examined by an independent specialist local to you. The report produced would be invaluable because it would be used to calculate the amount of compensation you could be awarded by the insurance company in a successful personal injury claim.

A solicitor would also represent you on a No Win No Fee basis once they are satisfied that you have a strong case that stands a better than average chance of succeeding. This means you would not have to pay the solicitor for the legal representation they provide until you are awarded motorcycle accident compensation. In short, you would not have to worry about finding the money to pay for legal representation when you need it the most.

To find out more on how we can assist you in making a motorcycle accident claim and whether this would be against Markerstudy Insurance, please get in touch with one of our advisers today.

Compensation Calculator For A Motorbike Accident

When you make a motorcycle accident claim for compensation, the amount you are awarded could be in two parts, namely general damages and special damages. General damages are awarded to compensate injured parties for the injuries they suffered, whereas special damages are awarded to compensate an injured party for out of pocket expenses they incurred.

The table below provides a general idea of how much you may be awarded. The amounts are based on the Judicial College Guidelines which insurance companies, courts and solicitors use when calculating how much an injured party may be awarded.

Injury TypeSeverity Amount of Compensation
HandModerate to seriousUp to £58,100
Arm Simple fractures to severeUp to £122,860
WristVery minor to severeUp to £56,180
BackMinor Up to £2,300
FootModest to very severeUp to £102,890
LegLess serious to very serious Up to £85,600

The amounts provided above are given as a guideline only and cover general damages that may be awarded in a successful motorcycle accident claim. The amounts do not include special damages.

Check If You Could Claim Special Damages

You could be awarded both general damages and special damages in a successful motorcycle accident claim against Markerstudy Insurance. General damages are awarded to claimants to compensate them for the injuries they suffered while special damages are paid out to compensate them for out of pocket expenses incurred as a result of the injury.

When it comes to special damages, these are worked out on ‘actual’ expenses you paid out. As such, you must be able to provide evidence of your expenditure. This could in the form of receipts and other relevant documentation relating to loss of income.

The sort of expenses and costs you may be able to claim back in special damages could include the following:

  • Travel costs
  • Medical expenses
  • Care costs
  • Vehicle and home adaptations
  • Loss of income
  • Loss of future earnings

If you need more guidance on what you may be able to include in your motorcycle accident claim against Markerstudy Insurance, please get in touch today.

How Could The Team At Accident Claims UK Help You

Personal injury claims can prove challenging to people who have never filed one before. There are procedures to follow, time limits to respect, and settlements to negotiate, all of which could prove daunting. Having a solicitor act on your behalf when making a motorcycle accident claim against Markerstudy Insurance, takes all the stress of seeking compensation off the table.

Other benefits of working with a No Win No Fee lawyer would include the following:

  • You would be examined by an independent medical professional local to you and the report they produce would be used to value the level of compensation you would be awarded in general damages
  • We would undertake all negotiations with the insurance provider to ensure the level of compensation awarded is both fair and acceptable
  • At the earliest opportunity, you would be informed how much you could be awarded in a successful motorcycle accident claim against Markerstudy Insurance
  • Should a final settlement take longer to reach, we would ensure you receive interim payments to avoid any financial hardship

For more information on how we can be of assistance, please get in touch today.

No Win No Fee Motorbike Insurance Compensation Claim

No Win No Fee agreements allow injured parties to seek compensation without having to worry about paying for legal representation upfront. Also known as Conditional Fee Agreements (CFAs), the contract is legally binding and sets out the modest percentage that would only be payable to a No Win No Fee solicitor once compensation is awarded to a claimant.

When you enter into a No Win No Fee agreement with a solicitor, they agree that should they not secure any compensation for you, the ‘success fee’ nor any of their other fees would no longer be payable.

To find out more about Conditional Fee Agreements, please get in touch with a member of our team today.

Talk To Us About A Motorcycle Accident Claim

To discuss your motorcycle accident claim against Markerstudy Insurance in further detail, you can speak to an adviser on 0800 073 8801.

If you prefer, you can email us at office@accidentclaims.co.uk

Alternatively, you can use our online contact form by clicking here.

Helpful Resources

If you would like more information on road safety for motorcyclists, please click on the link below:

Motorcyclist road safety advice and accident statistics

For more information on time limits associated with personal injury claims, please follow the link provided below:

Statutory time limits for personal injury claims explained

For more information on how No Win No Fee Agreements work, please click on the link provided below:

No Win No Fee Agreements explained

If you think you were partly to blame for a motorbike accident and would like more information on split liability, please follow the link provided below:

Split liability claims explained

If you think you may have suffered whiplash in a motorbike accident and would like more information on the symptoms, please follow the link below:

Symptoms of whiplash

 

Guide by HW

Edited by REB