Motorcycle accidents can lead to devastating medical costs and damages. Accidents are bad enough on their own, but it’s worse when it’s at the hands of a reckless driver. So, what happens if you’re exchanging information, only to find out that the other driver does not have insurance? While most states require auto coverage, this does not mean that every motorist has it. What you do next will depend heavily on the state you live in and the amount of medical bills and property damage that you have.
Uninsured Motorist Coverage
Uninsured motorist coverage is here for times like this. Usually, this type of coverage will help you when it comes to medical bills and other forms of compensation. If you don’t have it, however, you don’t have another insurance company to call. This can be particularly tricky if you live in a no fault state. In no fault states, you are not allowed to make claims against the other driver. In some instances, an uninsured motorist could mean that you cannot collect. Collision coverage can also help when it comes to accidents. It will help you cover repairs sustained with an at-fault uninsured driver. The problem is that this won’t help pay for your medical bills.
After an accident with an uninsured driver, your only option might be to file a lawsuit against another driver. Now, motorcycle accidents tend to lead to serious medical bills. Most insurance coverages do not pay out enough for the motorcycle to pay his or her hospital bills. In this case, if you suffered serious enough injuries then you can file a lawsuit even in a no fault state.
If you live in a negligence state, then you can always file lawsuits against uninsured drivers. The problem with these lawsuits is that even if you win a judgment, you still may not be able to collect anything. Normally, if a person doesn’t have insurance, he or she probably doesn’t have many other assets. This means that trying to collect from the person might be a losing battle.
If you’ve been injured in a motorcycle accident with an uninsured motorist, you have to seriously contemplate your options. You want to make the best decision that may award you compensation and that won’t be a losing battle. The best way to find out what your options are for your circumstances is to visit with a lawyer. If you have questions about uninsured motorists, contact a motorcycle accident lawyer today.