A motorcyclist has none of the protection a car provides — no crumple zone, no airbags, no seatbelt cage. In a crash, the rider absorbs the forces directly and is often thrown from the bike, which is why motorcycle crashes frequently cause head injuries, fractures, road rash, and spinal harm.
Because the injuries are often serious, treatment can be long and expensive, and the lasting effects — surgeries, rehabilitation, permanent limitations, and lost earning capacity — can be significant. A claim should account for that full arc, not just the initial emergency care.
This is also why settling too early is risky for riders. Until the medical picture is clear, no one can fairly value the claim, and a quick offer often falls far short of the real, long-term cost.