What Every Biker Needs to Know About Accidents and Insurance

If you’ve been injured in a motorcycle accident, the last thing you want to do is convince the insurance company that you need compensation to cover your medical expenses. This blog is going to answer three of the most common questions we get from riders…

I crashed my motorcycle and I have a very limited policy, what should I do?  Motorcyclists often have high medical bills when they get into accidents because motorcycles leave their riders more prone to injury. You should contact a Connecticut Motorcycle Accident Attorney immediately because of the complicated insurance coverage issues that may exist in a motorcycle case. Do not give a statement to any insurance company, not even your own, because you may need to file a UIM/UM claim.

What is UIM/UM coverage?  “UIM” coverage stands for “underinsured motorist” coverage. This is part of your insurance and is used when the other driver’s insurance does not cover all of your medical expenses. “UM,” coverage is “uninsured motorist” coverage. It is also part of your insurance and comes into play when the other driver does not have any insurance. The law requires you to exhaust any available coverage from the other driver before you use your UIM coverage.

A car forced my motorcycle off the road, but there wasn’t any contact between the car and my bike. Can I still file a claim?  Yes. Many motorcyclists are under the mistaken impression that they can only recover for injuries caused when another vehicle hits them. If another driver is negligent and causes the motorcyclist to crash, the law still allows recovery for the injuries even if there is no actual vehicle to motorcycle contact.

The Connecticut Personal Injury Lawyers with Carter Mario Law Firm believe that helmets are part of safe riding, but do little to prevent accidents themselves. Statistics show a majority of those involved in accidents have no motorcycle endorsement on their licenses and are inexperienced riders. That is why the firm suggests all riders take a motorcycle safety course before hitting the road.