Some accidents involve multiple drivers sharing fault, while others are clearly caused by a single driver. If you are fully at fault for a crash, you may wonder whether your motorcycle insurance will be dropped.

This is a common concern for motorcycle riders, and All Around Insurance Agency, serving Katy, TX, is here to help clarify how insurance companies handle at-fault accidents.

Accident Fault and Motorcycle Insurance

If you cause a motorcycle accident, do not panic. In most cases, your insurer will still cover the damages and continue your policy.

As long as your motorcycle insurance includes liability coverage, it will help pay for bodily injury and property damage sustained by others, even if you are fully at fault. This is the primary purpose of liability insurance.

However, insurers are not required to maintain your coverage indefinitely. If you cause additional accidents, your insurance company may decide to increase your premiums, decline to renew your policy, or cancel your coverage altogether.

Do Not Admit Fault

If you are unsure who is at fault, or simply want to protect yourself, do not admit fault at the scene. There is no advantage to doing so, even if you believe you contributed to the crash. Statements made to other drivers, police officers, or witnesses can later be used as evidence.

In many cases, more than one party shares responsibility for an accident. Your insurance company and, if necessary, your attorney will help determine who is truly negligent. Fault may involve another driver, a municipality responsible for road conditions, or even the motorcycle manufacturer.

All Around Insurance Agency Is at Your Service

If you ride in Katy, TX, our team is here to make motorcycle insurance easier and less stressful. Contact All Around Insurance Agency at 281-371-0052 to learn more about coverage options and request a customized quote.