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LV Motorcycle Insurance Compensation Claims Guide – Motorcycle Accident Insurance Personal Injury Claims Against LV Insurance

How To Make An LV= Motorcycle Insurance Claim

In this online guide, we are going to explain the legal process of making LV= Motorcycle Insurance claims. We will cover bikers who are insured by LV= and suffer some kind of motorcycle injury in a motorbike accident. And also any road user who is injured in an accident that was caused, at least partially, by a motorcyclist that is insured by LV=.

LV=-motorcycle-insurance accident claims guide If you have any questions that are specific to your own claim and that this guide does not answer, call our claims team today on 0800 073 8804. One of our claim advisors will be able to give you the answers that you need and also help to get your claim underway as simply as possible.

Select A Section:

A Guide To LV= Motorcycle Insurance Claims
What Is A LV= Motorcycle Insurance Claim?
Circumstances In Which People Claim Against LV= Motorcycle Insurance
Do LV= Insurance Use Underwriters Or Brokers?
What Happens If Insurance Companies Dispute A Claim?
Should I Directly Deal With My Insurance Company And Take The First Offer?
Could A Solicitor Help Secure A Higher Payout?
What Information Do Solicitors Need To Help You Claim?
Could I Make A Motorcycle Accident Compensation Claim?
Motorcycle Accident Compensation Claims Calculator
Special Damages Motorcycle Accident Victims Could Claim
No Win No Fee Claims For Motorcycle Accidents
Start Your Claim
Essential References

A Guide To LV= Motorcycle Insurance Claims

This online guide to making a compensation claim against LV= Motorbike Insurance is aimed squarely at educating people about why they may have valid grounds to make a claim and the process of getting such a claim underway. If you have been involved in a motorcycle accident, either as a motorcyclist or another road user injured by a motorcyclist, then this guide will provide you with enough information to approach your claim from a position of understanding and to make informed decisions.

We will begin this guide by looking at what an LV= claim is, as well as the kind of insurance products the firm provides. We will cover both motorcyclists insured by LV= and also third-party road users that are involved in an accident caused by an LV=-insured biker.

The next part of this guide looks at several legal considerations when claiming, and these are:

Specific circumstances that could lead to a claim.
LV= Insurance and underwriting.
How to deal with a claim if your insurer disputes it.
Whether you should take an initial pre-medical out of court settlement offer or not.
Why a solicitor can generally help to get you’re a higher compensation settlement that accepting an out of court offer yourself.
A list of the kinds of information a solicitor will need to begin processing your claim for you.
A brief look at the eligibility criteria for making a compensation claim.

The latter section of the guide is dedicated to information on the financial considerations attached to claiming. You will find a useful table that might help you to work out the level of compensation you could expect to receive if you make a claim, followed by a list of some of the more common kinds of damages you may claim for. We provide information about what a No Win No Fee claim is, and why for many people this is the ideal vehicle for bringing a claim. We finally offer some advice on how to get your claim started.

If at any point you have a query about making an LV= Insurance claim that this guide does not answer, or you are ready for a personal injury lawyer to begin working on a claim for you, then please contact our claims team on the phone number near the end of this page. An expert claim advisor will talk through our claims process with you and provide you with any additional assistance you may need.

What Is A LV= Motorcycle Insurance Claim?

LV= offers motorbike insurance cover and a certificate of motor insurance to motorcyclists as specialised products. These include multi-bike, low mileage, vintage and moped insurance. These policies can be claimed against in the case of a motorbike injury in certain situations. There are two different types of entities that could claim against LV=, and these are:

Motorcyclists who are insured by LV, and need to make a claim against their own insurance. This could be because their bike has been stolen or damaged in some way, and the perpetrator is unknown. It could also include split liability claims when the biker shares responsibility for the accident with one or more third parties.
Any road user that is injured in an accident that has been caused by a person insured by LV=. The injured party would claim damages against the insurance policy provided to the rider by LV=.

If you are unsure whether you may be eligible to make a compensation claim or not, then please speak to one of our claim advisors. They can evaluate your claim for you and let you know.

Circumstances In Which People Claim Against LV= Motorcycle Insurance

In this section, we are going to take a look at some of the kinds of circumstances that could lead to a person being in a position to make a claim against LV= Motorcycle Insurance. This includes.

Damage to a motor vehicle that has been caused by the actions of a rider insured by LV=.
Personal injuries that have been caused by an accident that a rider insured by LV= was responsible for.
Damage to a motorcycle that is insured by LV=, for which no responsibility can be attributed, so a split liability claim must be made.
Personal injuries suffered by a rider who is insured by LV=, for which no responsibility can be attributed, and so again a split liability claim must be made.
For theft of a motorcycle insured by LV=.
For damage caused to a motorcycle insured by LV=, for which the perpetrator cannot be identified.

These are the main claim criteria, but there could be others. If you speak to one of our claim advisors and explain your situation to them, they will let you know whether you might have a valid basis for a claim or not.

Do LV= Insurance Use Underwriters Or Brokers?

LV Motorcycle Insurance acts as its own underwriter for the majority of its insurance products, and this includes motorcycle insurance. What this means is that LV= is responsible for the entire end-to-end claims process and will not need to defer to the decisions of a third-party underwriter. This could potentially streamline the claims process for claimants.

If you need more information relating to the role of an underwriter in a personal injury claim, please speak to a member of our claims team today.

What Happens If Insurance Companies Dispute A Claim?

Does LV= do motorcycle insurance? Yes, the firm offers a number of specialised motorcycle insurance products. When you take out an LV= motorbike insurance policy, you are then insured to ride the motorcycle or motorcycles the policy covers. You may then be able to make a claim against your own policy in certain situations. Also, third-parties that suffer harm or loss in an accident that was your fault can claim against your insurer.

However, LV= may refute a claim for some reason, telling the claimant that they do not accept liability and will not be paying compensation. In this situation, you are going to need legal help to build your case and prove the claim is in fact valid. We can help with this; speak to one of our claim advisors to learn how.

Should I Directly Deal With My Insurance Company And Take The First Offer?

One of the first steps in making a personal injury claim against LV= is informing the firm that an accident has taken place. When you do this, you may receive communication from the company offering free legal help to make a claim or offering a pre-medical out of court settlement.

You should think long and hard about accepting such an offer. It will not have taken into consideration your injuries, the prognosis of your recovery, and any long-term or permanent impairment that you will be left with. In many cases, a higher settlement would likely be agreed if the initial pre-medical offer is turned down. If you want some advice about this, such as finding out if an out of court settlement is fair, or whether it is advisable to move on to a court decision, please speak to one of our advisors.

Could A Solicitor Help Secure A Higher Payout?

As we mentioned in the previous section, using a personal injury solicitor to process a claim for you could result in you receiving a higher level of compensation. A lawyer can help you to prepare for your claim in a way that will show the full extent of the harm and loss you have suffered. They will value your claim for you and advise you on a suitable amount of compensation you should be prepared to accept. If no out of court settlement is agreed, your lawyer will represent you in court when your claim is brought forward for a court to decide upon. Overall, using a solicitor to help you make your claim will result in a higher level of compensation being won.

What Information Do Solicitors Need To Help You Claim?

When preparing to make a personal injury claim, there are a number of things that a claimant can provide to their solicitor to help support their claim, and to streamline the process of making it. This could include:

Details of all road users and vehicles involved in the accident.
Details of your own vehicle and insurance.
Any photographic evidence that you took at the scene of the accident.
The police incident number if the police attended the scene of the accident.
Contact details for any witnesses to the incident who could be called upon to give a testimony or provide a witness statement at a later stage if needed.

For more advice on how you can best prepare for making a claim in a way that will support your solicitor, please speak to our claims team and one of our expert advisors can help you with this.

Could I Make A Motorcycle Accident Compensation Claim?

For you to be in a position to make a compensation claim, several factors will need to be true, for example:

You will need to begin your claim within the personal injury claims time limit.
You must be able to prove that a third party was responsible for the harm or loss you suffered unless you intend to make a split liability claim.
You must have suffered either physical harm of loss that would have been avoided had the accident took place.
You must be over the age of 18, otherwise, a third party such as a parent or guardian will need to act as your litigation friend.

These are some of the precursors to making a claim. If you need clarification of this, then please call our claims team, they can help you further.

Motorcycle Accident Compensation Claims Calculator

This table has been based on guidelines published by a legal body known as the Judicial College. You may be able to use it to work out how much compensation you could receive.

Edit
Injury	Severity	Notes	Compensation
Injured hand	Moderate	We would include, in this category, all moderate injuries that would heal fully in time, but may result in a long-term or permanent impairment, that is non-intrusive in nature. Also, any injury that has been partially treated using surgery. This might be deep lacerations or puncture wounds, etc.	£5,260 to £12,460
Injured arm	Moderate or minor	We would include, in this category, all moderate injuries that would heal fully in time, but may result in a long-term or permanent impairment, that is non-intrusive in nature. Also, any injury that has been partially treated using surgery. As an example, a medical condition such as tennis elbow could fit into this category.	Up to £11,820
Injured back	Moderate	We would include, in this category, all moderate injuries that would heal fully in time, but may result in a long-term or permanent impairment, that is non-intrusive in nature. As examples, a compression or crush fracture of the back vertebrae, that results in significant discomfort and leaves the victim prone to other conditions such as osteoporosis sometime in the future. Disc surgery might be required, or treatment such as spinal fusion.	£26,050 to £36,390
Injured neck	Minor	Soft tissue injuries which resolve within 3 months.	Up to £2,300
Injured foot	Moderate	We would include, in this category, all moderate injuries that would heal fully in time, but may result in a long-term or permanent impairment, that is non-intrusive in nature. As an example, a displaced metatarsal fracture that leaves the victim unable to wear normal shows, and affects their gait.	£12,900 to £23,460
Injured leg	Moderate	We would include, in this category, all moderate injuries that would heal fully in time, but may result in a long-term or permanent impairment, that is non-intrusive in nature. However, employment status may be affected. As examples, fractures or soft tissue injuries to one leg, with a risk of an imperfect union, requiring surgery to correct.	£26,050 to £36,790
Injured head/brain	Moderate	We would include, in this category, all head or brain injuries that result in sight, speech or hearing being affected, some loss of cognitive ability, or impaired memory function. Work prospects would be low.	£40,410 to £205,580

You might also be able to find a personal injury claims calculator to get a rough estimate of your claim. However, if you want a more accurate indication of the level of damages you might receive, our team can arrange for a solicitor to value your claim for you. Simply give them a call.

Special Damages Motorcycle Accident Victims Could Claim

If your claim is a success, you will be awarded an overall settlement that comprises a number of different kinds of damages, broadly split into general damages and special damages.

General damages cover physical and psychological harm. They are calculated based on criteria such as the level of suffering the victim underwent, the kinds of treatment they received, and any long-term effects of their injuries. For example:

Permanent disability or impairment.
Invasive or traumatic treatment.
Psychological damage.
Stress and trauma.
General pain and suffering.

Special damages are paid to compensate for monetary or other non-physical losses. If the claimant intends to claim for costs already incurred, they must submit documentary evidence of these losses. Special damages might include:

The costs of private medical treatment.
Lost income from missing work.
Impacted ability to earn a living in the future.
Detrimentally impacted quality of life.
Out of pocket expenses.
Costs associated with care at home.

If you would like to know what kinds of damages might apply in your own situation, please call our claims team and speak to a claim advisor. They will evaluate your claim for you and let you know.

No Win No Fee Claims For Motorcycle Accidents

When you use the services of a No Win No Fee solicitor, you will have secured the legal help you need to pursue a claim whilst mitigating some of the financial risks traditionally faced when making a claim.

You won’t pay a new claims fee, or any fees while the claim is processed by the lawyer. If the claim fails, the solicitor won’t expect to be paid any fees they have accrued. If the claim is won though, the solicitor may ask to be paid a modest success fee, that has a legal cap. This can be deducted from any compensation payment the solicitor has received for you.

For more information about how No Win No Fee claims work, please reach out to our claims team on the number below, and one of our expert advisors will go over things with you. They can also tell you whether you have a potentially valid claim or not at this stage.

Start Your Claim

Do you believe that you have just cause to make an LV= Insurance compensation claim? Or perhaps you need some pre-claim help and advice? Even if you only want some general information about the claims process, we are happy to provide it. Indeed, no matter what kind of assistance you need, we are here to help you. Just speak to our claims team on 0800 073 8804. One of our advisors will talk you through our claims process, and provide all the help you need to get your claim underway. Our panel of personal injury solicitors has over 30-years of experience helping claimants, and contacting our claims team is the first step in gaining access to all of this expertise to help you make your claim.