Dealing with an Uninsured or Underinsured Driver After Your Motorcycle Accident

Persons involved in an automobile accident probably just assume that the other driver will have sufficient insurance, but this sadly isn’t always the case.  In fact, estimates peg the number of inadequately insured drivers among the driving population at 14%.  That means that people who suffer through a vehicle crash have more than a 1 in 10 chance of being forced to deal with someone who either doesn’t have insurance or has insurance that won’t cover all damages.

Uninsured motorists can include people who simply did not bother to get insurance, whose policy has lapsed, whose coverage fails to meet mandates required by their state of residence, or even those whose claims have been denied by their insurance company.  Hit and run cases can also fall into this category, as you can’t collect insurance from a party that can’t be found.

The Steps You Need to Take

Dealing with such drivers can be a hassle, especially if you have serious, long-term injuries and your automobile requires expensive repairs in order for the damage to be fixed.  The first thing you ought to do should such a situation befall you is notify the cops.  People who don’t have the proper insurance typically get cited by the police, but this is probably small recompense following an accident that leaves you under a mountain of debt.

The good news is that your own insurance company might be able to cover the cost you’ve incurred, but it’s essential to notify your own insurance agent of the situation immediately so that you can verify what kind of coverage your policy affords you.  Many insurance entities will pay out the remaining balance on a claim should the other party be underinsured.  This is critical if you’ve been seriously injured.

Pick the Coverage That’s Right For You

Uninsured and underinsured motorist coverage might typically include payment for pain and suffering, property damage, repair costs, lost wages in both the short and long-term, and various punitive damages.  However, every policy is different, which is why you need to figure out with your own agent what you’re entitled to.  Not every state requires this type of insurance, so you would be wise to verify your coverage as soon as possible.

Even if such coverage isn’t mandatory, though, the simple threat of having to contend with an uninsured driver is enough for most people to get some kind of coverage in this crucial area.  A good insurance agent can get you the coverage you need to protect you and your family.  And when you are in an accident, you might consider contacting a lawyer as well.  An experienced motorcycle accident attorney can help you put forth a personal injury claim should it come to that.  Such a move might be the only way to gain you proper compensation for the damage that’s been caused by an uninsured or underinsured motorist.

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