Underinsured and Uninsured Drivers
Although Texas requires minimum liability coverage for drivers of all vehicles, including motorcycles, an average of 20% of Texans are still uninsured drivers. What happens if your motorcycle accident is with an uninsured or underinsured motorist?
The Hard Truth
In the event that you get into a motorcycle accident with an uninsured driver, there may be little you can do to recover the expense if you don’t have Underinsured Motorist Insurance. It is possible get compensation for motorcycle repairs or medical bills through litigation (civil lawsuit). However, if the person at fault for the accident does not have even the state-required minimum coverage, it’s likely that they do not have the personal assets to cover the damages you’re suing them for.
But before giving up hope of recouping your out-of-pocket expenses because of an uninsured driver, consult an experienced motorcycle accident attorney. An Austin motorcycle accident lawyer can explore your options and possibly find coverage in your insurance policies that will help with your bills.
Help from Your Insurance Company
Because so many Texas drivers don’t have insurance or only carry the required minimum, which can leave medical bills for serious injuries like spinal cord injury, traumatic brain injury, amputation or nerve damage uncovered, you should consider adding Underinsured Motorist insurance to your policy.
If you have Underinsured Motorist Insurance, you can file a claim with your own insurance provider after a motorcycle accident with an uninsured or underinsured driver. Your policy will specify how much you are eligible to recover in damages and medical expenses.
Even if you have underinsured motorist insurance, your insurance company may not want to pay. You will need the help of a motorcycle accident lawyer to help you get the compensation your policy entitles you to. Ray King is an Austin, Texas motorcycle accident attorney with over twenty years of experience. He’s battled insurance companies hundreds of times, and he’s prepared to battle for you.
Before you give up hope of recovering damages for an accident with an uninsured driver, contact Ray King for a FREE case consultation.