Motorcycle accidents can mean severe injuries, a long road to recovery, and significant expenses. In most cases, you can file a claim with the driver’s insurance company that will provide compensation for your losses. However, what happens when the other driver does not have adequate insurance? A San Antonio uninsured/underinsured motorcycle accident lawyer can help you pursue compensation despite those challenges, including helping you understand your options for compensation. Reach out to our motorcycle crash attorneys today.
When a motorcycle rider suffers injuries in an accident with a driver who does not carry adequate insurance, a San Antonio attorney can help go over available coverage and evaluate options for pursuing compensation.
In Texas, all insurers must offer personal injury protection (PIP) insurance to covered drivers. Drivers do not have to carry that coverage but must manually reject it in order to avoid that coverage. PIP insurance provides a minimum of $2,500 in compensation for the medical costs and wage losses that may occur immediately after an accident. Motorcycle riders can use that coverage regardless of how the accident occurred, making it a highly valuable source of financial assistance after a motorcycle accident.
Underinsured insurance coverage kicks in when the driver who caused an accident carries insurance but does not carry adequate coverage to take care of the damages associated with an accident. The policyholder can use that coverage to cover damages in excess of the liable driver’s coverage. Not all policies have underinsured coverage. However, drivers who carry comprehensive and collision insurance policies often have this coverage.
Most auto insurance policies include coverage for uninsured drivers, which can cover the damages that occur when a motorcycle rider has an accident with a driver who does not carry insurance at all. Uninsured insurance coverage can also prove vital after a hit and run accident, when injured riders may not know who caused the accident.
Many people assume that when dealing with their own insurance companies, they should not need a lawyer. However, many insurance companies have an intrinsic bias against motorcycle riders that can make it difficult for injured riders to get adequate coverage for their damages. Furthermore, riders may end up struggling with their own insurance companies as the company fights to minimize the compensation it has to pay out. Injured motorcycle riders should contact a lawyer when:
Dealing with the aftermath of a motorcycle accident can prove challenging enough at the best of times. Dealing with a claim with an uninsured or underinsured driver, on the other hand, can prove even more complicated. An uninsured/underinsured motorcycle accident lawyer in San Antonio can answer those essential questions.
If you suffered injuries in a motorcycle accident with a driver who does not carry adequate insurance, you may end up fighting your insurance company for the full damages you deserve. Contact a San Antonio uninsured/underinsured motorcycle accident lawyer at Felix Gonzalez Accident and Injury Law Firm to discuss your options for compensation.