What If the At-Fault Party Doesn’t Have Any Insurance?
Posted on Mar 21, 2014 10:19am PDT
There are a high percentage of drivers on Michigan streets and highways that are violating state law by not carrying insurance. Unfortunately, drivers who violate the law in this manner are also far more likely to be involved in an accident. If a motorcyclist is hit by an uninsured driver, the issues regarding compensation can become more complicated to resolve. As a motorcycle rider, you carry your own insurance. You may have religiously paid your premiums, possibly for years.
When it is time to file a claim, as you will be forced to do if the other driver does not carry insurance, it can be a shock to discover that you are offered a pitifully low settlement, one that doesn’t even cover your costs, much less damages such as loss of income from work, the costs of rehabilitation and the replacement of a totaled bike. If you have been hit by an uninsured driver, we urge you to contact the Michigan Bikers Association. We are team of attorneys that ride, and our entire practice is focused upon protecting the rights of injured riders in claims and lawsuits.
Your own insurance company will pay you damages, but they may not inform you of all of the coverage you have; you could be told that you are only due a specific amount, to the limits of your policy, and the information is inaccurate, or you could struggle to get the claim paid within a reasonable period of time. We are highly proficient in getting results with insurance companies in these cases and we are well aware of how they operate. In some cases, the delay creates a situation in which in desperation, the injured party agrees to a settlement far less than they deserve. Don’t fall prey to these tactics, which are unfortunately, common in the industry.
Call Michigan Bikers Association for professional counsel that will protect your interests.