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I've been hurt in a motorcycle crash and the at fault party has very little or minimum insurance coverage. How can my bills get paid?
The bad news we often have to give clients involved in horrible motorcycle collisions is there’s only a minimal, or less than needed, insurance policy available from the at fault party.
No matter how horrible the injuries from a motorcycle accident, or how big the medical bills, if the at fault party only has $15,000.00 in bodily injury insurance coverage, then there’s only $15,000.00 available from the at fault party’s carrier and it is unlikely that substantial assets will exist.
Do yourself a favor: carry at least $100,000 in under-insured/uninsured motorcyclist coverage through your own motorcycle insurance carrier. That way you know, no matter what, you have at least $100,000 available to you. It may not cost a whole lot more in insurance premium.
If you were a passenger on a motorcycle involved in a collision, check with the driver of the motorcycle. You may be covered under his/her motorcycle insurance coverage, as well as your own policy.
Lastly, you may also have insurance coverage at your disposal through a relative or roommate you reside with. Many policies are written to allow residing relatives protection. Ask for a copy of the insurance policy to see if you might also be covered.
The Law Offices of Edward A. Smith are experienced motorcycle accident attorneys expert in motorcyclist rules and regulations.
If you have been injured in a motorcycle accident that was not your fault, call us anytime for free, friendly advice. Sacramento 916.921.6400. Or contact us online.