Uninsured motorist insurance coverage provides the motorcyclist financial payment for medical treatment, pain and suffering and loss of enjoyment of life as a result of an accident caused by and uninsured driver. Under-insured motorcycle insurance covers the lack of sufficient insurance coverage between what the driver responsible for an accident could pay and the amount required for your needs as a direct cause of the accident.
This is especially critical for a motorcyclist who is always exposed to severe injuries in any collision with another vehicle.
Without question, anyone driving a motorcycle should, at least, obtain a high limit of uninsured motorist coverage. One can imagine an injury where $500,000 may not be enough. Don’t gamble on the other driver, who caused the accident, to have sufficient liability coverage to provide you full compensation for your injuries and damages. Uninsured/Underinsured Motorists coverage is a personal coverage for you and your passengers.
There may be other insurance coverage available to cover your injuries which you might not know. We would advise that you contact a qualified personal injury attorney after an unfortunate accident. Be careful to avoid “quick settlements”. You may be significantly discounting your claim and foreclosing your ability to obtain more compensation.