Motorcycle Uninsured Motorist Coverage: How an Attorney Can Assist You in Enforcing It
If your motorcycle insurance policy includes the option for uninsured motorist coverage and you were involved in an accident with an uninsured driver, a motorcycle accident lawyer can help you enforce this portion of your policy. It can cover the costs of the accident and mean you can avoid financial hardship because of the driver’s negligence.
This optional coverage is required in certain states. If you opted for it because it was required or chose it as an option, you should be able to rely on it when you need it most. Your attorney will examine your policy and its limitations. They will know how uninsured motorist coverage for motorcyclists works and how an attorney can help you enforce it.
Compensation You Can Recover Via Uninsured Motorist Coverage
Enforcing uninsured motorist coverage can be a complex legal matter. Without legal guidance and support from a personal injury lawyer, it can be even more stressful and frustrating. If a motorcycle insurance attorney represents you, they will request the following economic damages:
- Current medical expenses
- Ongoing medical bills, such as physical therapy
- Injury-related lost wages
- Motorcycle damage or loss
- Diminished motorcycle value
Non-economic damages recoverable damages can include disabling and disfiguring injuries, physical and emotional pain and suffering, mental anguish, and loss of enjoyment of life.
If a motorcycle accident proves fatal, surviving family members can recover wrongful death damages, including the decedent’s final arrangements and loss of their financial support. Your lawyer will explain which family members can recover damages and how a wrongful death action is filed.
A Motorcycle Insurance Claim Attorney Can Enforce Your Insurance Coverage
If you were injured by an uninsured driver, you could pursue compensation from your insurance company on your own. There are benefits to hiring a motorcycle accident lawyer to deal with the insurer for you. They can:
- Read your policy and its fine print in detail
- Explore the limitations of your insurance policy
- Determine the financial value of your injuries
- Assess your motorcycle repairs or replacement value of your motorcycle
- Negotiate for a fair settlement with insurance providers
A lawyer will bring familiarity with state and local personal injury and insurance law to your case. They will deal with the insurance company so you do not have to, which can give you the time you need to focus on your physical and emotional recovery.
Is It Worth It to Hire a Motorcycle Accident Attorney?
You may not believe you need an attorney to deal with or negotiate with your own insurance company. Having a lawyer by your side can demonstrate your awareness of your rights and help you avoid accepting a speedy but insufficient settlement.
In most cases, it will cost nothing upfront or out of your pocket to hire an attorney. Most will work on a contingency fee basis. Because their fee is contingent on your financial recovery, you will owe nothing at all if they cannot recover damages for you.
What You Need to Know About the Uninsured Driver Claim Process
For the most part, filing an uninsured motorist claim works the same way a claim against an insured driver works, except you deal with your insurer instead of theirs. When a lawyer handles your case, they will collect evidence that proves the at-fault driver’s negligence.
- Medical records that describe the cause of your injuries
- A police report that describes the accident’s cause and contributing factors
- Accident scene photos, videos, and reconstruction reports
- Statements from lay and expert accident witnesses
Your fort lauderdale motorcycle accident lawyer will also collect proof of the accident’s financial aftermath, including paychecks, direct deposit receipts, and other proof of income. It can also include medical, rehab, therapy, and prescription medication bills and receipts. They will also compile repair or replacement estimates for your damaged or totaled motorcycle.
You May Have to Pay a Deductible to Use Uninsured Motorist Coverage
As a policyholder of motorcycle insurance, you should be able to tap into this portion of your coverage when you need it the most. A fort myers motorcycle accident lawyer can help substantiate your personal injury claim with your insurer when needed.
Part of using this portion of your coverage includes paying the deductible defined in your policy. In most cases, the deductible will be subtracted from your resulting financial award. A Miami motorcycle accident attorney can help you recover your deductible from a negligent driver. Your insurance company may also pursue the driver in a process called subrogation.
Contact Our Uninsured Motorist Case Evaluation Team
Motorcycle accident victims often suffer costly, severe injuries. If you or a loved one was injured in a motorcycle accident, the at-fault driver should bear financial liability. Uninsured motorist coverage or underinsured motorist coverage for motorcyclists can cover these costs if the driver does not have appropriate auto insurance coverage. You deserve to access the medical care you need to recover from your accident-related injuries. A settlement or verdict from a personal injury lawsuit can help you put your life back together, and our team can help with the legal process.
Contact one of our team members to find out how an attorney at the Law Offices of Wolf & Pravato can help you enforce your policy and recover damages from your insurer. Our personal injury attorneys can discuss your legal options after a motorcycle crash and help you recover fair compensation for a range of damages, such as medical costs. Get started by calling (954) 633-8270 for your free evaluation today.