In California, the law requires that you carry insurance on your vehicle that makes the insurance company financially responsible for damages or injuries caused by a vehicle, regardless of who is at fault. In fact, since 2006, the DMV has even began verifying insurance information, requiring that insurance companies report private vehicles insured through them electronically to the DMV. This measure was taken to keep uninsured motorists off the road, but they are still out there and if you are involved in a collision with one, you will receive no damages from the insurance company.
Amazingly, the Insurance Research Council states that as many as fourteen percent of drivers in the United States are uninsured or underinsured. Under insured simply means that they don’t have enough insurance coverage to cover the repair and medical injury costs of a typical car accident, which of course means that you’ll be responsible for making up the difference yourself, out of your own pocket. If the motorist is completely uninsured, then without help, you may be responsible for one hundred percent of medical and repair bills, even if you were not at fault.
An uninsured motorist that hits you can be a nightmare if you don’t have collision coverage on your insurance policy to pay for the damages to your bike. However, there may still be a way to collect money to pay for your injuries and repair bills, and a California uninsured claims attorney can help you in this regard, and if you decide that you are going to pursue this path, you’ll want to contact someone right away. The sooner that you contact a motorcycle injury attorney the better that they will be able to help you with your case.
An experienced underinsured attorney will be able to pursue many avenues for you, including filing a claim with your own insurance company and getting them to pay for part or all of the damages and costs involved with your accident, or filing a lawsuit against anyone who was responsible for the uninsured motorist being on the road in the first place, but certainly not limited just to the uninsured or under insured driver.
An attorney that is experienced in under insured and uninsured motorist law is vital in this type of collision and while you may feel lost trying to figure out how to collect without an insurance company to file a claim with, this is exactly where an uninsured motorist attorney is needed. You can, in many cases, collect the money that you need to repair your bike, pay for the injuries that you have sustained or receive compensation for other accident related costs or even punitive damages. Again, the sooner after your accident that you contact an attorney, the better job they can do for you.
