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Motorcycle Accidents

Personal Injury Law

Motorcycle Accidents

Riding a motorcycle is a lot of fun but unfortunately it comes with added risks of injury. It may seem at times that motorcycles are invisible on the road since many motorcycle accidents occur because other drivers just do not see the motorcycles. A motorcyclist is exposed to added dangers that are not present for automobile drivers. If someone’s unrestrained dog runs out in front of a car, only the dog typically gets hurt. However, if that happens to a motorcyclist, the outcome is usually very different. The same is true for hitting a bicyclist, pedestrian, or even a big chuckhole in a dark parking lot.

Because of these risks, it is very important to have as much uninsured motorists (UM) coverage and underinsured motorists (UIM) coverage on your motorcycle policy as you can afford. The Indiana required minimum liability coverage for auto and motorcycle coverage is only $25,000, which in most motorcycle accidents with a serious injury is not sufficient to pay for those serious injuries to the motorcyclist caused by a negligent auto or truck driver. Some of the most heartbreaking cases Garrison Law Firm has handled have been motorcycle accident cases with serious injuries where there was not enough insurance coverage to properly compensate the victim motorcyclists. Unfortunately, it is unlikely that the victim motorcyclist will ever recover anything significant from the personal assets of the negligent driver beyond available insurance coverages.

Garrison Law Firm recommends that motorcyclists be insured under their own motorcycle policy for at least $250,000 in UM and UIM coverage, and with at least $25,000 – $100,000 in medical payments coverage (medpay). UIM coverage pays the motorcyclist the difference between the UIM limits (say $250,000) of coverage and what was paid by the negligent driver’s insurance policy (say $25,000). Under this example, the motorcyclist could recover an additional $225,000 from his or her own insurance policy under the UIM coverage. Regardless of whether the negligent driver was insured, the motorcyclist’s own medpay (preferably $25,000 – $100,000) would be there to provide first dollar coverage for the motorcyclist’s medical expenses. By making use of medpay, motorcyclists do not have to worry about unpaid bills stacking up or going to collections and ultimately ruining their credit. Additionally, health insurance coverage under a health insurance policy would not have to pay until the medpay was exhausted.
If you have been injured in a motorcycle accident, call Garrison Law Firm to learn your rights and what sources of recovery may be available to you so that you do not go under compensated.

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OUR PERSONAL INJURY ATTORNEYS

Chris Garrison

Chris Garrison

Personal Injury Attorney

Greg Garrison

Greg Garrison

Personal Injury Attorney

Ashley Dayhuff

Ashley Dayhuff

Personal Injury Attorney

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