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My state requires a special license for motorcyclists. What is the impact on my liability and damages in an accident when I do not have the required state license?
That may depend on who caused the accident. If another driver caused it, he may be liable for the damages. However, this is another example of two distinct problems: a violation of the law and a claim for the injuries. Your insurance carrier may pay, but may reserve the option of refusing to cover you in the future.
Insurance laws vary in each state. Some are considered “no-fault” states, in that they do not require you to prove the other person was wrong in order to pay. Florida is one example of a no-fault state. The insurance company may pay on the accident and try to recover their money from the other party or carrier later. That process is called subrogation and involves a separate action. For instance, you are in an accident and no police report was written, and so liability is questioned. The insurance company still handles the claim and pays medical costs and property damage, but then goes after the other party’s carrier. If you find yourself in a no-fault state, contact your insurance agent as to the impact on your claim. States with no-fault insurance have varying rules of liability.
If you caused the accident, and you are not in a no-fault state, you may have a more serious problem on your hands, as you are now the defendant. You will need to carry a liability policy to collect on your damages. |
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