Collisions with animals are common in Maryland and can be dangerous for everyone on the road. Motorcyclists and their passengers are especially at risk of injury or death in the event of a collision with a large or small animal that causes the bike to go out of control. A recent motorcycle-animal collision involving a deer led to the tragic deaths of a rider and his passenger.
According to a local news article discussing the accident, the motorcycle rider was traveling on a roadway in a sparsely populated area at night when a deer ran out into the road in front of the motorcycle. The rider was unable to avoid colliding with the deer and he and a passenger were thrown off the bike after the motorcycle struck the animal and cut it in half. When authorities arrived on the scene, both the rider and his passenger were pronounced dead. The article does not state whether the two deceased people were wearing helmets at the time of the crash.
In the event of a Maryland motorcycle accident, a collision with an animal is not covered by insurance in the same way as collisions involving other vehicles. The property damage to a bike from an animal collision would not be covered by standard collision coverage, and a motorcycle owner would need to obtain comprehensive coverage, which covers damage to a vehicle caused by something other than a collision with another vehicle (this could also include damage caused by vandalism, theft, or a flood, for example). Injuries or deaths that occur as a result of a motorcycle colliding with an animal will be covered under a liability policy for bodily injury, in a similar manner to other types of collisions.