When a potential client first contacts me to represent them in motorcycle accident cases as their Pennsylvania motorcycle accident lawyer, after they describe how their motorcycle accident occurred, I ask them about their insurance policy.
The typical response I get is… “I have full coverage”!, confident that this means that they are fully covered for any loss suffered.
Unfortunately, when I follow up with these questions, their confidence fades:
• How much liability coverage do you have?
• Do you have Comprehensive and Collision coverage?
• Do you have medical coverage on your motorcycle policy? and most importantly;
• Do you have uninsured/underinsured coverage on your policy and if so, in what amounts?
Most clients are unable to answer these questions and often are extremely disappointed to learn that although they thought they had full protection, what they have is State minimum coverage in motorcycle personal injury insurance, which provides little or no protection to them, contrary to what they may have been led to believe.
I bring this up now, before an accident, because I want all of you to look to see what type of coverage you have, rather than relying upon your understanding that you may be “fully covered”.
What most believe is “full coverage” and the reality of being fully covered, are worlds apart. Being “fully insured” means your insurance policy should provide not only liability coverage, but also collision, comprehensive, uninsured and underinsured benefits and in some cases, medical coverage for your New Jersey or Pennsylvania motorcycle accident.
I urge everyone to stop relying upon bad advice, or your own misunderstanding that your coverage is sufficient and take five minutes to examine your policy to make certain that you are truly “fully insured”.
Motorcycle Crash UM / UIM Coverage
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 888-292-5352 (888-CYCLE-LAW) and I will be happy to review your coverages with you.