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.

You can also learn more about us on Yelp and Avvo

Client Reviews
"Me and my wife; had a car accident. We were amazed how easy, professional, friendly attorney Ed Smith is along with his staff. Everybody is amazing. Thank you so much, we are very impressed!" Alex & Dinah M.
"Ed Smith and his office team took on a difficult personal injury case on my behalf and for the passenger in my car. Ed is a top- notch attorney. His staff couldn't have been more helpful and kind. No need to look elsewhere. I give Ed Smith my highest recommendation." Beverly
"Ed and Robert have been taking great care of my husband and I for the past 5+ years. They are always there when you have a problem and a quick resolution! Even when the issues have nothing to do with them. They are willing to help ease the pain off your shoulders. They are as good as it gets! Thank you again for everything." Annie T.
"Very professional. Great team, staff and service all around. Mr Smith was very honest, straight forward with his advice. He gives the word "attorney" an honest reputation. I will seek his council anytime, and would recommend him at the drop of a dime." Jeremy M.
"I would highly recommend Ed Smith to any friends or family in need of a personal injury attorney. Ed, and his staff, are very caring on top of being very experienced in this field. The staff always keeps you informed of the status of your case and they are always easy to reach by phone." Shannon D.
"Edward Smith law offices provide competent, thorough, and personable help for victims of personal injury. When you first meet the staff you know you contacted the right office. This law office treats clients like people. I recommend this office to anyone seeking representation regarding personal injury." David M.