Generally, when two vehicles are involved in a car accident, insurance policies exist to cover the injuries suffered by the parties. Either the car accident victim's own insurance policy will cover the incident, if the other motorist is uninsured or underinsured, or the insurance policy of the driver who caused the accident will provide coverage. But as ride sharing becomes more and more common in Ohio as well as the rest of the country, the question that arises is this: Who is liable when one is in an accident with a rideshare driver?
There is an unfortunate misconception by some in Ohio that simply by wearing a helmet, a motorcyclist is protected from catastrophic injuries in case of an accident. However, this is not always the case. Severe head injuries are still possible while wearing a helmet. In addition to this, lack of external protection means that motorcyclists are more susceptible to road rash injuries, scarring and concussions. Motorcyclists often get thrown from their motorcycle, leading to severe head injuries.
Ohio residents may hear a lot about the efforts being conducted by various organizations and law enforcement agencies to reduce the number of crashes and fatalities on the roads, and this may lead them to believe that motorcycle crashes are also decreasing across the state. Unfortunately, this is not the case.
As previous posts have mentioned, a motorcycle lacks the crash worthiness and occupant protection that other motor vehicles do in event of an accident. Automobiles offer seatbelts, airbags, roofs and have more weight, making it more difficult to overturn than a motorcycle. A motorcycle, due to its lesser weight, has more maneuverability and the ability to stop faster than other vehicles, but its size makes it more difficult to see by other motorists on the road and its lack of protection makes it more likely that a motorcyclist will die in a motorcycle accident. Around 80 percent of motorcycle crashes result in the death or injury to the motorcyclist.