Motorcycle Crash UM / UIM Coverage

I know that I have written on this topic of motorcycle crash uninsured/underinsured coverage many times before but it seems like many clients are still lacking the necessary uninsured and underinsured motorist coverage.

motorcycle crash PAI recently received a phone call from a potential client who asked me to be their Pennsylvania motorcycle accident lawyer. Her husband was hurt very badly in a motorcycle crash and currently remains in the critical care unit of a downtown Philadelphia hospital. It appears as though he was struck by a vehicle whose driver stopped only to look at him lying in the road and then, unfortunately, like many drivers in Philadelphia, fled the scene, leaving my client lying helplessly in the street.

The call I received from the wife was a little frantic, but she knew for certain that she wanted a motorcycle accident attorney to help her deal with the case and the blizzard of medical bills and treatment her husband was going to require in the near future. I took the necessary information from her, including the identity of their motorcycle insurance carrier, and told them inasmuch as we focus our practice on motorcycle accidents, that we would do whatever we could to try and help her husband.

The good new is, her husband has private medical benefits which should pay for his motorcycle crash medical bills regardless of what other coverages he may or may not have had.

I am currently waiting on a return phone call from their insurance company to find out if her husband had purchased uninsured and underinsured coverages, to use in the event that we cannot identify the other vehicle involved in this hit and run accident.

Just so there is no confusion, with regard to uninsured and underinsured motorist coverage, these coverages, once you purchase them, are available to you to compensate for any injuries you may sustain caused by an uninsured or underinsured motorist in a motorcycle crash. Underinsured protection means someone purchased the legal minimum coverage of $15,000 in liability benefits, and it is insufficient to cover your damages.

Right now I urge you to pull out your motorcycle accident policy and make sure it says uninsured and underinsured motorist coverages and the amounts listed are the same as the amount of your liability coverages. If they are not, you should immediately call your insurance agent and advise them that you want your limits of uninsured and underinsured motorist coverage raised to the level of your liability coverage.

If you are not sure of the coverages you have, feel free to contact Lee D. Gaber, motorcycle accident attorney, Pennsylvania, at 1-888-292-5352 (888-CYCLE-LAW) and I will be happy to review your coverages with you.

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