Southern Illinois Motorcycle Accident Lawyers
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Motorcycle Accident Attorneys in Southern Illinois
There is nothing like a clear ride through the Shawnee hills or an open stretch of Route 13 on a warm afternoon. But riders share those roads with drivers who are texting, turning without looking, and simply not watching for motorcycles. When a careless driver hits you, a motorcycle gives you almost no protection, and a minor mistake by someone else can leave you with injuries that change your life.
The attorneys at Olson & Reeves represent injured motorcyclists across Southern Illinois, from Jefferson County and Mt. Vernon out to Marion, Carbondale, Centralia, Salem, and the small towns along I-57 and I-64. We grew up on these roads. We know how local insurance adjusters work, how to deal with the bias that riders face, and how to build a case that makes the at-fault driver and their insurer pay what your injuries are actually worth. Reach out today for a completely free case evaluation to talk through your options.
Why Motorcycle Crash Cases Are Different
A motorcycle case is not just a car accident case on two wheels. The injuries are usually worse, the stakes are higher, and you start out fighting an unfair assumption that the rider must have been doing something reckless. Understanding that head start the other side has is the first step to beating it.
The numbers are stark. According to the National Highway Traffic Safety Administration (NHTSA), 6,228 motorcyclists were killed in 2024, about 16% of all traffic deaths, and per mile traveled a motorcyclist is roughly 27 times more likely to die in a crash than someone in a car. Here at home, the Illinois Department of Transportation (IDOT) reported that in 2024 motorcycles were involved in only 1.1% of all Illinois crashes but 13.1% of fatal crashes. A rider who is hit is far more likely to be seriously hurt or killed than a driver in an enclosed vehicle.
The bias riders face. Insurance companies and even some jurors walk in assuming the motorcyclist was speeding, weaving, or “asking for it.” That assumption is often wrong, and it is exactly what the other side uses to lowball you. A motorcycle has the same right to the road as any car. When a driver fails to yield, follows too closely, or turns across your path, the crash is their fault no matter what they assumed about you. Part of our job is showing the adjuster, and a jury if it comes to that, what actually happened instead of letting them lean on a stereotype.
Common Causes of Motorcycle Accidents
Most motorcycle crashes are not caused by the rider. They are caused by other drivers who do not see, or do not look for, motorcycles. Below are the patterns we see most often in Southern Illinois.
Left-Turn Collisions (The Most Common and Most Dangerous)
The single most common serious motorcycle crash happens when a car turns left across a rider’s path at an intersection or driveway. The driver later says, “I never saw the motorcycle.” Under Illinois law, that is not a defense. A driver turning left has a duty to yield to oncoming traffic, including motorcycles, and to actually look before turning. A rider going straight with the right-of-way is almost never at fault in this situation.
Because motorcycles are narrow, drivers misjudge how close and how fast a bike is traveling, or they look right past it while scanning for cars. The result is often a violent impact that throws the rider. If a left-turning driver hit you, contact our office so we can document the intersection, the sightlines, and the driver’s failure to yield.
Unsafe Lane Changes and Blind Spots
A motorcycle can sit squarely in a driver’s blind spot, and many drivers change lanes or merge without a proper head check. On multi-lane roads and interstates like I-57 and I-64, an unsafe lane change can sideswipe a rider or run them off the road entirely. Illinois requires drivers to signal and to make sure a lane is clear before moving into it. When they don’t, and they hit a motorcycle they should have seen, they are responsible for the harm they cause.
Distracted Driving
A driver looking at a phone for a few seconds can travel the length of a football field without watching the road. For a motorcyclist, that is enough time to be killed. Texting and handheld phone use behind the wheel are illegal in Illinois under 625 ILCS 5/12-610.2. Distraction is one of the most common causes of the rear-end and failure-to-yield crashes that injure riders, and phone records often help prove what the driver was doing in the moments before impact.
Drunk and Drugged Driving
An impaired driver has slower reactions and poor judgment, a deadly combination for anyone sharing the road on two wheels. When a drunk or drugged driver injures a rider, that conduct can support not only your injury claim but, in extreme cases, a claim for punitive damages meant to punish the driver. A DUI conviction in the criminal case can also be powerful evidence in your civil claim. If you were hit by an impaired driver, we will pursue every source of recovery available to you.
Speeding and Tailgating
A driver who is speeding or following too closely cannot stop in time when a motorcycle slows or stops ahead. Riders are especially exposed in rear-end crashes because there is nothing behind them but the road. Illinois law requires drivers to keep a safe distance and to drive at a speed that is reasonable for conditions. A driver who rear-ends a motorcyclist is almost always at fault.
Dooring
“Dooring” happens when someone in a parked car opens a door directly into the path of a passing motorcycle. The rider has almost no time to react and can be thrown from the bike. Illinois law makes it illegal to open a vehicle door into traffic when it is not safe to do so, and the person who opened the door, not the rider, is responsible for the crash that follows.
Road Hazards and Government Liability
Hazards that a car would barely notice can put a rider on the ground. Potholes, loose gravel, broken pavement, standing water, and debris are far more dangerous on two wheels. When a poorly maintained or defectively designed public road causes a crash, a city, county, or the state may share responsibility for failing to keep the road reasonably safe.
These claims come with a trap. When you sue a local public entity in Illinois, you generally have only one year, not the usual two, to file suit under the Local Governmental and Governmental Employees Tort Immunity Act, 745 ILCS 10/8-101. Miss that shorter deadline and your claim against the government is gone. If a road defect played a part in your crash, talk to a lawyer quickly so the deadline is protected.
Lane Splitting
Lane splitting, riding the line between two lanes of traffic moving the same direction, is illegal in Illinois under 625 ILCS 5/11-703(c). A rider who is hurt while lane splitting can be assigned a share of the blame, which can reduce the money they recover. That does not automatically end a claim, though. If another driver also acted carelessly, Illinois’s comparative fault rules may still allow a partial recovery. (Riding two motorcycles side by side in a single lane, sometimes called lane sharing, is allowed.)
Common Motorcycle Accident Injuries
With no metal cage, seatbelt, or airbag between the rider and the road, motorcycle injuries tend to be more severe and longer-lasting than typical car-crash injuries. Many riders face months of treatment, permanent scarring, or a lifelong disability. The injuries below are the ones we see again and again.
Road Rash
When a rider slides across pavement, the friction tears away skin and tissue. Road rash ranges from a painful scrape to a deep wound that destroys layers of skin, exposes muscle, and requires skin grafts. Beyond the risk of serious infection, severe road rash often leaves permanent scarring and disfigurement, which is its own category of compensable harm under Illinois law.
Traumatic Brain Injury
A blow to the head can cause a traumatic brain injury (TBI), from a concussion to a life-altering brain injury, even when a rider is wearing a helmet. Symptoms like headaches, memory problems, dizziness, mood changes, and trouble concentrating can last for years. A serious TBI can affect a person’s ability to work and to live independently, which is why these injuries are valued so highly in a claim.
Spinal Cord Injuries and Paralysis
The force of being thrown from a motorcycle can fracture vertebrae and damage the spinal cord. Depending on where the injury occurs, the result can be chronic pain, loss of function, or partial or complete paralysis. These are catastrophic, permanent injuries that often require lifelong medical care, home modifications, and lost earning capacity, all of which a full claim should account for.
Broken Bones and Lower-Body Injuries
Riders instinctively put a leg or arm out and absorb the impact with their limbs, so fractured legs, ankles, wrists, arms, and shoulders are extremely common. Many require surgery, hardware, and long courses of physical therapy. Some leave the rider with a permanent limp, reduced range of motion, or chronic pain long after the bone has healed.
Internal Injuries
A hard impact can injure organs and cause internal bleeding that is not obvious at the scene. Damage to the lungs, liver, spleen, or kidneys can be life-threatening and is not always apparent right away. This is one of the biggest reasons to be checked by a doctor immediately after a crash, even if you feel “okay.”
Amputations
In the most violent crashes, a limb is lost in the collision or so badly damaged that surgeons must amputate. Losing a limb changes every part of a person’s life, from working to driving to daily routines, and the cost of prosthetics and ongoing care is enormous. These cases demand experienced handling to make sure the full lifetime impact is valued.
Scarring and Disfigurement
Burns, deep road rash, and surgical scars can leave permanent, visible disfigurement. Illinois law treats disfigurement as a real and compensable harm, separate from medical bills. The emotional toll of permanent scarring is part of what your claim can recover.
Wrongful Death
Because riders are so exposed, motorcycle crashes are far more likely to be fatal than other collisions. When a rider is killed by another driver’s negligence, Illinois’s Wrongful Death Act allows the family to recover for their loss, including lost financial support and the grief and loss of companionship that follow. Nothing undoes that loss, but holding the at-fault party accountable can ease the financial weight on the family left behind.
Illinois Motorcycle Laws Every Rider Should Know
Illinois motorcycle law works differently than the law in many neighboring states, and the differences matter after a crash. Here is what riders should understand.
There is no helmet law in Illinois. Illinois is one of only three states, along with Iowa and New Hampshire, that does not require any rider or passenger to wear a helmet. The state does require eye protection, glasses, goggles, or a transparent shield, under 625 ILCS 5/11-1404, and a motorcycle carrying a passenger must have footrests for that passenger under 625 ILCS 5/11-1405. Helmets are not required, but they work: NHTSA and the Insurance Institute for Highway Safety estimate helmets are about 37% effective at preventing rider deaths and about 67% effective at preventing brain injuries.
Whether you wore a helmet can come up in your claim. Because there is no helmet law, you had no legal duty to wear one, and not wearing a helmet does not bar your claim. But a defense lawyer or insurer may still argue that a helmet would have reduced a head or facial injury. That argument is limited and fact-specific. It can only apply to the specific head injuries a helmet might have prevented, not to the crash itself or to injuries a helmet would not have changed, such as a broken leg or internal injury. We push back on this argument with medical evidence and keep the focus where it belongs: on the driver who caused the wreck.
Lane splitting is illegal; lane sharing is not. As covered above, riding between lanes of traffic is prohibited under 625 ILCS 5/11-703. Two motorcycles riding side by side in the same lane is allowed.
You need the right license. Illinois requires a Class M license to operate a motorcycle over 150cc and a Class L license for smaller motor-driven cycles. You can find current testing and endorsement requirements through the Illinois Secretary of State. Riding without the proper license is its own violation, but it does not erase another driver’s responsibility for causing a crash.
Insurance rules are the same as for cars. Motorcycles must carry the same minimum liability coverage as other vehicles: at least $25,000 per person and $50,000 per accident for bodily injury, plus $20,000 for property damage. Illinois also requires uninsured motorist bodily injury coverage of at least $25,000 per person and $50,000 per accident. That uninsured and underinsured coverage on your own policy is often the difference-maker when the driver who hit you has little or no insurance.
Motorcycle vs. Car Accident Claims in Illinois
Riders are held to the same traffic laws and the same comparative-fault rules as drivers, but they walk into a claim carrying real disadvantages a car occupant does not. This is how the two compare.
| Factor | Car Occupant | Motorcyclist |
|---|---|---|
| Enclosed cabin, seatbelt & airbags | ✓ | ✗ |
| Helmet required by Illinois law | N/A | No statewide helmet law |
| Fatality rate per mile traveled (NHTSA) | Baseline | ~27× higher |
| Insurer or juror bias to overcome | Lower | Higher |
| Same right-of-way & comparative-fault rules | ✓ | ✓ |
| Two-year deadline to file suit | ✓ | ✓ |
Proving Fault After a Motorcycle Accident
Illinois is not a no-fault state. To recover, you have to show that another driver was negligent and that their negligence caused your injuries. The everyday proof is familiar: a police report, photos, witness statements, and often the fact that the other driver was ticketed for a violation like failure to yield or following too closely.
Illinois follows a modified comparative fault rule under 735 ILCS 5/2-1116. If you are found more than 50% at fault, you cannot recover. If you are 50% or less at fault, you can still recover, but your compensation is reduced by your share of the blame. For example, if your damages are $100,000 and you are found 20% at fault, you would recover $80,000. This is exactly why insurers try so hard to pin part of the blame on riders, and why fighting an unfair fault assignment is one of the most valuable things a lawyer does in a motorcycle case.
Never admit fault at the scene, and be careful about what you say to the other driver’s insurance company. An offhand apology or an early recorded statement can be twisted into an admission later. Let the evidence tell the story.
Damages You Can Recover
Illinois law lets an injured rider recover two broad categories of damages. Economic damages cover your actual financial losses, and non-economic damages cover the human harms that do not come with a receipt. A typical motorcycle claim may include:
- Past and future medical bills
- Lost wages and lost future earning capacity
- Physical therapy, rehabilitation, and in-home care
- Damage to your motorcycle and gear
- Pain and suffering
- Disfigurement and permanent scarring
- Loss of a normal life
- Loss of consortium for a spouse or family member
In rare cases involving especially reckless conduct, such as a drunk driver, Illinois also allows punitive damages, which are meant to punish the wrongdoer rather than to compensate you. Every case is different, and the right number depends on the facts of yours.
How Long You Have to File a Claim
In most Illinois motorcycle cases you have two years from the date of the crash to file a lawsuit, under 735 ILCS 5/13-202. A wrongful death claim is also generally subject to a two-year deadline under 740 ILCS 180/2. But the deadlines can be shorter. As noted above, a claim against a city, county, or other local government is generally limited to one year. Because evidence disappears and deadlines are unforgiving, the safest move is to talk to a lawyer soon after the crash, not as the deadline approaches.
What to Do After a Motorcycle Accident
What you do in the hours and days after a crash can shape your entire claim. If you are able, take these steps.
1. Call 911 and get medical care. Report the crash so police create a report, and get checked by a doctor even if you feel alright. Adrenaline hides injuries, and a gap in treatment is the first thing an insurer uses to argue you were not really hurt.
2. Document everything. If you can, photograph the vehicles, your bike, the road, skid marks, traffic signs, and your injuries. Get the names and numbers of any witnesses before they leave.
3. Exchange information. Get the other driver’s name, license, insurance, and plate number. Illinois law requires drivers to share this after a crash.
4. Do not admit fault. Stay calm and stick to the facts with the police. Do not apologize or guess about what happened.
5. Be careful with the insurance company. You can report the crash, but you are not required to give the other driver’s insurer a recorded statement, and you should talk to a lawyer before you do.
6. Call a motorcycle accident lawyer. The sooner counsel is involved, the more can be done to preserve evidence and protect your rights.
Where We Handle Motorcycle Accident Cases in Southern Illinois
We represent injured riders throughout Southern Illinois, including the following counties:
| Counties We Serve | Counties We Serve |
|---|---|
| Alexander County | Bond County |
| Clay County | Clinton County |
| Crawford County | Edwards County |
| Effingham County | Fayette County |
| Franklin County | Gallatin County |
| Hamilton County | Hardin County |
| Jackson County | Jasper County |
| Jefferson County | Johnson County |
| Lawrence County | Marion County |
| Massac County | Perry County |
| Pope County | Pulaski County |
| Randolph County | Richland County |
| Saline County | Union County |
| Wabash County | Washington County |
| Wayne County | White County |
| Williamson County | St. Clair County |
Do I Need a Motorcycle Accident Attorney?
If your crash caused real injuries, the answer is almost always yes. Motorcycle claims involve serious injuries, larger medical bills, and insurers who are quick to blame the rider. Studies have long shown that injured people who hire an attorney tend to recover substantially more than those who handle a claim alone, even after attorney’s fees. A lawyer levels the field against an insurance company that handles these claims every single day.
Because the consultation is free, there is little reason not to at least talk to a lawyer about your options before you accept an offer or sign anything.
How Much Does a Motorcycle Accident Lawyer Cost?
We handle motorcycle injury cases on a contingency fee, which means you pay no attorney’s fee up front and no fee at all unless we recover money for you. Our fee is a percentage of the recovery, and if there is no recovery, you owe us no attorney’s fee. We also advance the case costs, such as records and expert fees, and those are repaid out of the recovery at the end. You should never have to pay out of pocket to find out whether you have a case.
Why Choose Olson & Reeves for Your Motorcycle Accident Case?
- No Fee Unless We Win. You pay no attorney’s fee unless we recover compensation for you.
- We Take On the Insurance Companies. Insurers try to lowball injured riders and pin the blame on them. We do not let that go unanswered.
- Local Knowledge of Southern Illinois. We are familiar with the courts and procedures across the region and with the roads riders actually use, from the Shawnee National Forest to the interstates.
- You Work Directly With Our Firm. From your first call to your final check, you deal directly with our firm and we keep you informed at every step.
What Our Clients Say
- Matthew W. – “This firm is highly recommended!! They are professional, efficient, and polite! The firm keeps you updated step by step and explains the process clearly!!”
- Heather M. – “They are amazing! I contacted them and they responded immediately! Kept me updated through the whole process! I will always recommend them!”
- Johnnie T. – “They were honest with us from the start and really gave us every option they could think of. They took their time and really listened to the whole story. I would highly recommend them!”
- Chad H. – “Best results that I ever had from an attorney! Highly recommend!”
Read more on our Google Reviews page. Past results do not guarantee a similar outcome.
Directions to Our Southern Illinois Law Offices
No Office Visits Required! We’ll Happily Come To You or Set Up a Free Virtual Consultation!
Mt. Vernon Office
Olson & Reeves, Attorneys at Law
1015 Broadway
Mt. Vernon, IL 62864
Phone: (618) 316-7322
Centralia Office
Olson & Reeves, Attorneys at Law
217 S Locust St
Centralia, IL 62801
FAQ for Injured Riders
Do I have to wear a helmet to ride a motorcycle in Illinois?
No. Illinois does not have a motorcycle helmet law and is one of only three states with no helmet requirement for any rider. The state does require eye protection, such as glasses, goggles, or a transparent shield, under 625 ILCS 5/11-1404, but helmet use is your choice.
Even though helmets are not required, safety agencies strongly recommend them, because they meaningfully reduce the risk of death and brain injury in a crash.
Can not wearing a helmet reduce my motorcycle accident settlement in Illinois?
Because Illinois has no helmet law, you had no legal duty to wear one, and not wearing a helmet does not bar your claim. A defendant may argue a helmet would have lessened a head or facial injury, but that argument is limited to those specific injuries and cannot be used against unrelated injuries or the crash itself. Under Illinois’s comparative fault rule, you can still recover as long as you were 50% or less at fault.
In practice, we counter the “no helmet” argument with medical evidence about what actually caused each injury, and we keep the case focused on the driver whose carelessness caused the crash. If you were not wearing a helmet, do not assume you have no claim, talk to a lawyer first.
Is lane splitting legal in Illinois?
No. Lane splitting, riding between two lanes of traffic moving the same direction, is illegal in Illinois under 625 ILCS 5/11-703(c), whether traffic is moving or stopped. Riding two motorcycles side by side within a single lane, however, is allowed.
If you were lane splitting when a crash happened, you may be assigned part of the fault, which can reduce your recovery. It does not necessarily end your claim, especially if another driver also acted carelessly. Have a lawyer review the specific facts.
Who is usually at fault in a motorcycle accident?
In most motorcycle crashes the other driver is at fault, most often a driver who turns left across the rider’s path or fails to see the motorcycle. “I didn’t see the motorcycle” is not a defense in Illinois, because drivers have a duty to look for and yield to motorcycles just like any other vehicle.
Fault is proven with police reports, witness statements, photos, and traffic citations. We investigate the crash thoroughly so the blame lands where it belongs instead of being unfairly shifted onto the rider.
What if I was partly at fault for my motorcycle crash?
You can still recover in Illinois as long as you were 50% or less at fault. Under the modified comparative fault rule in 735 ILCS 5/2-1116, your compensation is reduced by your percentage of fault. If you are found more than 50% at fault, you cannot recover.
So if your damages total $100,000 and you are found 25% at fault, you would recover $75,000. Insurers know this and push to inflate the rider’s share of blame, which is one of the most important things a lawyer fights over in a motorcycle case.
How long do I have to file a motorcycle accident claim in Illinois?
You generally have two years from the date of the crash to file a personal injury lawsuit in Illinois under 735 ILCS 5/13-202. A wrongful death claim is also generally subject to a two-year deadline. If a city, county, or other local government is involved, the deadline can be as short as one year.
Waiting is risky. Evidence fades, witnesses move, and a missed deadline ends a claim no matter how strong it is. The safest step is to speak with a lawyer soon after the crash.
What is my Southern Illinois motorcycle accident case worth?
The value of a motorcycle case depends on the severity of your injuries, your medical bills and lost wages, whether you have permanent injuries or scarring, and how clear the other driver’s fault is. Serious motorcycle injuries often lead to larger claims than typical car cases because the harm is more severe.
No honest lawyer can promise a number before reviewing your case. What we can do is account for every category of harm, current and future, so the demand reflects the full impact on your life rather than just the bills that have already come in.
What if the driver who hit me had no insurance or too little?
Your own uninsured and underinsured motorist coverage may pay for your injuries when the at-fault driver has no insurance or not enough. Illinois requires uninsured motorist bodily injury coverage of at least $25,000 per person and $50,000 per accident on your policy.
For example, if the driver who hit you carried only $25,000 in coverage and your bills are higher, your underinsured coverage may make up part of the difference. We review every policy that might apply so no available coverage is left on the table.
How much does a motorcycle accident lawyer cost?
We handle motorcycle cases on a contingency fee, so you pay no attorney’s fee up front and no fee at all unless we recover money for you. The fee is a percentage of the recovery, and case costs are advanced and repaid from the recovery at the end.
That means you can get experienced help without any out-of-pocket risk. If we do not recover compensation, you owe us no attorney’s fee.
Should I talk to the insurance company after my motorcycle accident?
You can report the crash to your own insurer, but you are not required to give the other driver’s insurance company a recorded statement, and you should be cautious before you do. Early statements are often used later to dispute fault or downplay your injuries.
It is reasonable, and usually smart, to speak with a lawyer before giving any statement or accepting any offer. A free consultation costs you nothing and can keep you from a costly mistake.
Talk to a Southern Illinois Motorcycle Accident Lawyer Today
If you or someone you love was hurt in a motorcycle crash, do not wait while deadlines run and evidence disappears. Call Olson & Reeves for a 100% free case evaluation at (618) 316-7322. You pay nothing unless we win.