Are motorcycle accident settlements higher than car accident settlements?

Often, because injuries are usually more severe. But the realistic ceiling is still the at-fault driver's insurance plus your own UM/UIM coverage, which can be low.

Does PIP cover motorcycle accidents?

Frequently not. Several no-fault states exclude motorcycles from mandatory PIP. Check your state's page and your policy.

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Motorcycle Accident Settlement Calculator

Motorcycle crashes cause more serious injuries than car crashes, but riders often face lower insurance recoveries and arguments about shared fault. This calculator applies your state's rules; pay special attention to the fault slider and the at-fault driver's policy limit.

All 50 states + DC
Verified 2026-11-13
Free · nothing stored

Your accident

State where the accident happened

How serious is the injury?

Minor×1.5–2Soft tissue, sprain, bruising; heals in weeksModerate×2–3Whiplash or back pain with months of therapySerious×3–4Fracture, herniated disc, concussion, surgerySevere×4–5Brain or spinal injury, permanent disability

Your costs so far

Medical billsLost wages

That's all you need for a first estimate. Rough numbers are fine.

Optional: make the estimate more accurate fault, insurance, lawyer fee

Fault and future costs

Your share of fault 0%Not at faultFully at faultExpected future treatment

Insurance

Other driver's policy limitLeave empty to assume your state's legal minimum.Your UM/UIM coverage

What comes out of it

Attorney fee 33%No lawyer45%

Case costsMedical liens to repay

Choose your state to see your estimate

What your claim may be worth
What you would actually take home
Your state's deadline to file

What makes a motorcycle accident claim different

Severe injuries, limited insuranceRider injuries are often serious, while many at-fault drivers carry only the state minimum. Your own underinsured motorist (UIM) coverage can make a large difference.

No-fault benefits may not applySeveral no-fault states exclude motorcycles from mandatory personal injury protection (PIP), so the at-fault driver's liability coverage and your own medical payments coverage matter more.

Fault disputes are commonInsurers often argue that a rider was speeding, lane-splitting or hard to see. In modified comparative and contributory negligence states, even a modest share of fault can sharply reduce or bar recovery.

Helmet use can come upIn some states, not wearing a helmet can be raised to argue that damages should be reduced. Rules vary by state.

Rules in your state

Your state's fault rule and lawsuit deadline apply to motorcycle accident claims. Pick your state for its rules and official sources, or compare fault rules and deadlines across all states.

Frequently asked questions

Are motorcycle accident settlements higher than car accident settlements?: Often, because injuries are usually more severe. But the realistic ceiling is still the at-fault driver's insurance plus your own UM/UIM coverage, which can be low.
Does PIP cover motorcycle accidents?: Frequently not. Several no-fault states exclude motorcycles from mandatory PIP. Check your state's page and your policy.