Uninsured/Underinsured Motorist Coverage for Motorcycle Accidents

Why do California Drivers Have Low Liability Coverage?

It is a sad fact that California law requires a minimum of $15,000 coverage per person with a maximum of two persons. If you are unlucky enough to be struck by a driver with California’s minimum coverage, your bodily injuries will not be covered past $15,000. These low coverage policies are dangerous in California because of the high cost of medicine and living. People who are educated in the dangers of having minimum coverage, tend to sign up for the cheapest option; creating an environment where the insurance of the liable party is most likely going to be unreliable in an incident involving severe bodily injury.

Can I Collect Damages from an Uninsured Motorist if I was Involved in a Motorcycle Accident?

The main goal of having insurance coverage is to protect your assets when you are liable for an accident and need to cover damages to another party. Roadway drivers with no insurance coverage likely have no assets that can be seized for compensation. So if you are struck by a driver with no insurance or minimum coverage, they most likely will have little or nothing to lose. Touching back to the cost of living in California; car insurance is too expensive for some people, giving many drivers an excuse to drive uninsured. There is no reason to drive uninsured because it is against the law.

Why is it Important to Have Under/Uninsured Motorist Coverage?

Since you can’t trust California drivers to be insured, or well adequately insured for that matter; sometimes you have to rely on your own insurance policy to make up for the difference in compensation. UM/UIM Coverage is a fairly inexpensive addition to your monthly insurance rates and will cover your expenses if you are involved in an accident or are a pedestrian struck by a vehicle.  UM or UIM coverage will cover costs like medical expenses, lost wages, rental car, etc. when the liable party is unable to do so. In the event you are struck by a driver who has no insurance or equitable assets, your own UM coverage will kick in to make sure you’re compensated. This important addition to your insurance policy ensures you will be treated and reimbursed even after exceeding the policy limits of the other party.

What do I do if I am Uninsured Motorcyclist and Was Struck by an Insured Driver?

In California, if you are uninsured and are hit by an insured driver; you would be deemed as a Prop 213 uninsured motorist. Prop 213 gives an uninsured motorist rights to be compensated by the at fault party for medical expenses, property damages, lost wages and rehabilitation costs. Prop 213 cases are not entitled to non-economic damages like pain and suffering or mental distress.  As like most cases, exceptions can be made regarding compensation under a prop 213 case.

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