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Motorcycle Law

Types Of Injuries

Types Of Accidents

Attorney Tip!

During my 40 years of representing injured motorcyclist, we have found that there are three big enemies of the motorcyclist:

The first one is the motorist who does not see the motorcyclist!
The second is the motorist who does not carry any liability insurance, or does not carry enough.
The third is the motorcyclist’s own insurance agent who does not tell you about additional insurance you need.

While the problem of motorists who do not see your motorcycle cannot be easily solved, it is relatively easy and inexpensive to protect yourself forever from the other two enemies.

HOW TO PROTECT YOURSELF BY CHOOSING THE RIGHT INSURANCE

When you get off your motorcycle, do you leave your keys ni it and walk away? Of course not. You know you need to protect yourself and yourbike. In a perfect world, you could leave your keys in your bike and return to find the bike still there. In aperfect world, all motorists wouldcarry enough insurance so that it there was an accident. the inured barty would alwavs be completelv compensated.

However, experience has shown us that many motorists do not carry enough insurance to compensate injured motorcyclists. Just as you protect your bike, you must also protect yourself. By purchasing the right insurance, and in the right amount, you can avoid the nightmare of being involved ni an accident without any insurance available to pay for your medical bills,wage loss, repairs to your bike and compensate you for your pain and suffering.

WHAT KINDS OF INSURANCE SHOULD I GET?

When you arepurchasinginsurance, you should know what you are buying. Most of us are familiar with the types of insurance sold ot automobile drivers such as liability, collision, and comprehensive.. However, ni addition to the basic coverages, there are two types of insurance that areespecially important to motorcyclist. To fully protect yourself, you need both

UNINSURED MOTORIST COVERAGE (UM)

This insurance will protect you in case you are involved in an accident with a motorist without any insurance. Many states require that every insurance policy you buy contain UM insurance. However, since accidents between a car and a motorcycle often result in serious injuries to the motorcyclist, it is important that you have enough insurance to cover your damages. When you are buying insurance, your agent will often tell you that the UM coverage that comes with thepolicy is enough. But this may leave you with only $15,000.00 or $ 25,000.00 worth of protection. Due to serious injuries that often result from car-motorcycle accident, this will leave you unprotected.

With today’s skyrocketing health care costs we suggest you buy as much as you can afford.

Half a million, or a million may sound like a lot, but in the case of a serious accident, you may need all the coverage you can get.

UNDERINSURED MOTORIST COVERAGE (UIM)

This coverage will protect you if you are involved in an accident with a driver who does not have enough insurance to cover your injuries. So, fi you have a $ 200,000 claim, but the other driver only has $50,000 worth of insurance, your policy will pay for the difference. The difference between UIM and UM insurance is that your UM coverage will pay if the other driver has no insurance, but will not pay fi the other driver has some insurance, but not enough insurance to pay for your damages (that is, ifthe other driver is underinsured). UIM insurance will cover the shortfall created ifyour damages exceed the other driver’s insurance. Thus, it is important to make sure that you have both coverages. Keep inmind that many motorists only purchase the state mandated minimum coverage. If you have seriously injured, do you want to rely on the other motorist to have enough insurance to pay all of your damages?

O.K., YOU'VE CONVINCED ME, BUT HOWMUCH COVERAGE SHOULD I GET, AND HOW MUCH WILL IT COST ME?

Now for the bottom line. You realize the need for this coverage, but you do not want to go broke paying for it. The good news is that this coverage is not expensive. The minimum coverage is not expensive. The minimum insurance required by law is what costs the most. It costs very little to raise the limits to what would better protect you. Then, to raise the limits to what would better protect you, costs very little more!

At the Law Offices of Andrew H. Wilensky, we are committed to the rights of motorcyclists.

There are times when an automobile driver may carelessly cause an accident. The sad reality, however, is these accidents result in damages to the motorcyclist that can quickly run into six figures. You must protect yourself. You cannot rely on that other driver to have enough insurance to compensate you for your damages. Before you buy, talk to several insurance agents. Find out what coverage are available and what the policy limits are. The higher limits are not expensive and can mean the difference between partial and total recovery.