Do You Have Proper Insurance Coverage for your Motorcycle?

Miley Legal Group

Adequate Insurance Coverage Protects You and Your Family

More often than not, we have clients come into our office needing our services because of a motorcycle collision where either the driver or the accident victim does not carry adequate insurance to cover the damages. This poses a very big issue.  We see those involved in motorcycle collisions often have injuries that are more serious, therefore more costly. When someone hits you while you are operating a motorcycle, it is important to have enough insurance coverage that will allow you to be compensated for the injuries that you sustain.  It is vital to review your insurance policy BEFORE getting on your motorcycle to be sure that your coverage is high enough to protect you if you become the victim of an accident.

Protect Your Assets and Your Future with Good Motorcycle Coverage

To give you an example, our office represented a gentleman who was struck while riding his motorcycle by a young woman who pulled out into the roadway without any regard to the safety of the driver.  In fact, the young driver claimed that she did not see the rider before moving into the roadway.  After significant injury, the motorcycle rider required several surgeries, with medical bills, totaling over $275,000.  The young woman that struck our client only had $100,000 in liability coverage and our client only carries $25,000 in underinsured motorist coverage on his motorcycle policy.  Between the two, the amounts do not come close to adequately compensating our client for his medical bills, let alone pain and suffering or lost wages.

We also see way too often car collisions that occur when the driver that hits a motorcyclist is not insured AT ALL.  This is when it is important to have adequate uninsured motorist coverage as well, to protect you if this situation were to ever become your reality.  Even though the at-fault driver may get a citation for not having insurance, you still will not have the benefit of insurance coverage to help cover your injuries.

Get Your Motorcycle Insurance Policy Reviewed

If you have not already done so, you should review your motorcycle insurance policy or have us do it for you, to ensure you have the coverage you need in case of an accident.  We offer a free insurance review if you have any question or doubt.