Property Damage Claims After a Motorcycle Crash
You Didn’t Just Crash—You Lost a Piece of Your Soul
Property damage claims after a motorcycle crash hit on a different level. 
If someone wrecked your bike, it’s not just about money—it’s personal. Whether your ride was your weekend freedom machine or your only way to get to work, a crash caused by someone else’s bad driving means they should pay to make it right.
That’s what a property damage claim is all about: getting paid for what you lost.
At The Biker Lawyers, we help riders get fair compensation when their motorcycle, gear, or other property is damaged in a crash. We ride too, so we get how much this matters—and we’ll fight to make sure you’re treated with respect, not like just another claim number.
Ready to talk to a property damage personal injury attorney? CLICK HERE for a free consultation, or call us at (319) 294-4424
Frequently Asked Questions About Motorcycle Property Damage Claims
What is a property damage claim?
It’s a claim you file to get money for things that were damaged or destroyed in a crash—like your bike, helmet, or other gear.
How do I know if my bike is totaled?
If the cost to repair it is more than its market value, the insurance company will likely declare it a total loss. We can help make sure they don’t lowball you.
Can I get paid for custom parts and upgrades?
Yes—if you can prove what they were worth. Photos, receipts, and build sheets help us fight for the full value.
What if I was partly at fault in the crash?
You may still be able to recover something, depending on the laws in your state and the kind of coverage you have. We’ll help figure that out.
Does my gear (helmet, gloves, jacket) count as property damage?
Absolutely. If it was damaged in the crash, you can include it in your claim.
Should I talk to the insurance company myself?
Only if you’re prepared to argue with trained negotiators. We recommend letting us handle those conversations—it costs you nothing up front.
What If My Bike Was Totaled?
If the cost to fix your bike is more than it’s worth, the insurance company might “total” it. That means they’ll cut a check for the fair market value—not necessarily what you paid or what it’s worth to you.
We’ll help:
- Fight lowball estimates
- Prove your upgrades added value
- Push for full replacement cost if that’s in your policy
Don’t just accept their first offer. Let us review it for free.
What Counts as Property Damage in a Motorcycle Crash?
- Your motorcycle (repairs or replacement)
- Custom parts and upgrades (pipes, pegs, paint jobs, etc.)
- Helmet, jacket, gloves, and gear
- Saddlebags, phone mounts, and accessories
- Anything you were carrying that got destroyed
It’s important to have a mechanic go over the cost of reparing a damaged motorcycle after a crash to fully understand the extent of damages you may be entitled to.
What If They Say It Was “My Fault”?
Even if they’re blaming you, don’t give up.- You might still recover partial compensation
- You might have collision coverage through your own policy
- We might be able to prove the other driver was mostly at fault
We Make Property Damage Claims Easier
Insurance companies love to drag their feet on these claims. That’s where we come in. We’ll help:- File your claim the right way
- Talk to the insurance adjusters so you don’t have to
- Gather the evidence to prove the value of your gear
- Make sure you’re not getting lowballed, stalled, or ignored
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Posted on June 16, 2020 at 3:11 PM, UPDATED: June 17, 2025 at 11:30 AM by The Biker Lawyers