Motorcyle Accident Claims I Louisville, Kentucky

Motorcyclists are treated differently under Kentucky's no-fault system.

Motorcycle accident claims are more legally exposed than car accident claims, and the injuries are almost always more serious. Hance & Srinivasan has been fighting for seriously injured clients in Kentucky for over 40 years.

Start Your Free Case Review –  or call  – (502) 426-4301

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  • SUPER LAWYERS® KENTUCKY SUPER LAWYERS Multiple Years
  • 40+ YEARS TRIAL EXPERIENCE Kentucky Courts
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Motorcycle Accident Claims Overview

Other drivers underestimate motorcyclists. So do insurance adjusters.

Motorcyclists are among the most vulnerable people on Kentucky roads. When an accident happens, the insurer for the at fault driver almost immediately begins building arguments around motorcyclist bias, lane splitting, speeding, or visibility. These arguments are designed to inflate your share of fault and reduce what they pay. You need someone who knows how to dismantle them with evidence, not just pushback.

What Clients Say

People who trusted us when it mattered most.

“This was my first experience with an attorney’s office and I must say it was an excellent experience. All the attorneys were extremely knowledgeable and they cared. They handled everything for me in a professional and expedited manner.”

Elisa S.

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What happens when you call

From auto wrecks to malpractice and wrongful death, we handle complex cases with focus, care, and precision.

  1. 1

    You Tell Us What Happened

    A free, confidential consultation. No paperwork. No commitment. We listen to your story and ask the questions that matter.

  2. 2

    We Give You an Honest Assessment

    We will tell you what we think your case is worth, whether we are the right firm for it, and what we would do to pursue it. No spin.

  3. 3

    We Go to Work. You Pay Nothing Unless We Win

    We advance all costs. Our fee comes from the recovery. If we do not win, you owe us nothing. No promises. That is simply how we work.

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Your case review is free. The call costs you nothing.

We review every case personally. If we take it, we handle it completely. If we do not think we can improve your outcome, we will tell you that honestly.

Free Case Review — or call — (502) 426-4301
  • No Fee Unless We Recover
  • Free Case Review
  • No Obligation
  • 40+ Years of Trial Experience
  • ~100% Referral Based Practice

Know Your Motorcycle Accident Claims Rights

Kentucky motorcycle accident law in plain language.

Motorcycle accident cases can move fast, it is important to contact us as soon as possible after the accident.

Your Right to Sue the At Fault Driver Directly.

Because motorcyclists are not covered by mandatory PIP insurance under KRS 304.39-040(4), you are not subject to the no fault threshold that limits car accident claimants. You can pursue the at fault driver’s liability insurance for the full value of your claim from the first dollar, including medical expenses, lost wages, pain and suffering, and all other damages, without needing to clear a medical expense threshold.

Motorcycle Accident Claims Questions

  • In a standard car accident, your own PIP insurance covers your first $10,000 in medical expenses and lost wages regardless of fault. Motorcycle operators do not have this protection unless they specifically purchased optional PIP for the motorcycle. This means you have no immediate insurance cushion and must pursue recovery directly from the at-fault driver’s liability coverage from the beginning.

  • A driver’s failure to see a motorcyclist does not reduce their liability. Drivers have an affirmative duty to observe all lawful users of the road, including motorcyclists. Failure to look before changing lanes, turning, or entering an intersection is negligence regardless of whether they claim the motorcyclist was not visible.

  • Kentucky does not have a universal helmet law for all adult riders. Whether you were wearing a helmet may be raised by the defense as a comparative fault argument if your injuries are head-related, but it does not bar your claim. Kentucky’s pure comparative fault system means your damages are reduced by your percentage of fault, not eliminated.

  • Permanent injuries, including spinal cord damage, traumatic brain injury, limb loss, or permanent disfigurement, significantly increase the value of a claim. Future medical expenses, reduced earning capacity, and long term pain and suffering are all recoverable. 

  • You may recover all medical expenses past and future, lost wages, reduced future earning capacity, pain and suffering, emotional distress, property damage including the motorcycle, and in cases of egregious conduct, punitive damages under Kentucky law.

  • Seek medical attention before anything else. Do not give any statement to the other driver’s insurer. Document the scene with photos of all vehicles, road conditions, and your injuries if possible. Get witness names and contact information. Report the accident to law enforcement. Then contact an attorney as soon as possible because the one year deadline applies from the date of the accident.

Further reading

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Related Practice Areas

We represent clients throughout Kentucky.

  • Louisville
  • Lexington
  • Bowling Green
  • Northern KY
  • Owensboro
  • Statewide

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We work with referring attorneys throughout Kentucky. All referral arrangements comply with Kentucky Bar rules.

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