Motorcycle accidents in Texas cause some of the most severe injuries of any vehicle crash — and motorcyclists face an additional challenge: insurance company bias. Here is how to protect yourself, fight back against unfair treatment, and maximize your compensation.
The Motorcycle Bias Problem
Insurance companies and their adjusters often approach motorcycle accident claims with a built-in bias against riders — assuming the motorcyclist was at fault or behaving recklessly even when the evidence shows otherwise. An experienced motorcycle accident attorney knows how to counter this bias effectively.
28X
More likely to die in a crash vs car occupants
1st
Texas ranks for motorcycle fatalities
2 YRS
Texas statute of limitations
Most Common Causes Of Motorcycle Accidents
Left turn accidents
The most common type of motorcycle accident — a car making a left turn fails to see an oncoming motorcycle. These accidents are almost always the car driver's fault.
Lane changes without checking
Drivers failing to check blind spots before changing lanes are a leading cause of motorcycle accidents — particularly on Houston's highways.
Rear-end collisions
Following too closely and distracted driving cause devastating rear-end collisions with motorcycles. These accidents frequently cause severe injuries.
Dooring accidents
A driver opening their car door without checking for approaching motorcycles — causing the rider to crash into the door.
⚠️ Helmet Laws and Your Claim
Texas allows riders over 21 to ride without a helmet if they have completed a safety course or carry medical insurance. Insurance companies will use helmet status to argue your injuries were your own fault. An attorney can counter these arguments effectively.
💡 Gear Documentation Matters
Document any protective gear you were wearing at the time of the accident. Helmets, gloves, jacket, and boots all demonstrate you were riding responsibly. Preserve damaged gear as evidence.
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Frequently Asked Questions
What should I do after a motorcycle accident in Texas?
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Call 911, seek medical attention immediately, document the scene with photos including all vehicle positions, get witness contact information, preserve your damaged gear as evidence, and contact a motorcycle accident attorney before speaking with insurance companies.
How do I fight insurance company bias after a motorcycle accident in Texas?
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The key is having an experienced attorney who knows how to counter insurance company bias. This includes thorough accident reconstruction, witness testimony, expert analysis of road conditions and visibility, and documentation of the other driver's negligence.
How much is a motorcycle accident case worth in Texas?
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Motorcycle accident settlements are typically higher than car accidents due to the severity of injuries. Cases involving broken bones, road rash, and soft tissue injuries may settle for $50,000 to $250,000. Severe injuries like spinal cord damage or traumatic brain injury can result in settlements of $1 million or more.
Does Texas require motorcycle riders to wear helmets?
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Texas allows riders over 21 to ride without a helmet if they have completed an approved safety course or carry at least $10,000 in medical insurance. However insurance companies will use helmet non-use to argue partial fault. An attorney can counter these arguments.
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