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Bad Drivers Typically Have No Insurance - Protect Yourself ...
Topics: 7 Posts: 8
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Attorney4Bikers wrote about 1 year ago Recently, a BAD DRIVER runs a red light violating a fellow biker’s right of way. The impact ejected him from his bike and he landed on the other side of the intersection with serious injuries, an ambulance ride, emergency room visit, admission, and surgery. Through absolutely no fault of his own, he has serious out-of-pocket medical bills, lost wages, and he will be out of work for a considerable period of time. Investigation reveals the bad driver’s automobile insurance cancelled before the crash. She was driving without insurance! Also, she has nothing in her name, so a lawsuit against her will be fruitless! Adding insult to injury, our fellow biker thought he had “full coverage”; and on closer inspection, he did not have any “uninsured/underinsured motorist coverage”! Thus he has almost catastrophic damages and no place to make an insurance claim for compensation.
LESSON LEARNED: DON’T WAIT UNTIL AN ACCIDENT TO REVIEW YOUR INSURANCE! Make sure you have uninsured/underinsured motorist protection in your motorcycle insurance policy. You purchase insurance to protect yourself – make sure you have the coverage to protect yourself from these so-called “dead-beat drivers”! We recommend you obtain uninsured/underinsured motorist coverage in the very highest amount you can possibly afford. The small cost in premium is well worth the coverage and peace of mind. Look at the Declarations of Coverage of your policy, or revisit with your insurance agent to make sure you have this protection. If you have further questions, you are welcome to contact Brad personally to review your insurance coverages over the phone, to explain what the listed coverages provide, and please remember to …
WATCH OUT FOR MOTORCYCLES!!!®
Brad Souders – Personal Injury Attorney
A Biker Representing Bikers
http://www.HOG-LAW.com |
Topics: 11 Posts: 3722
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hgsc90 wrote about 1 year ago, Modified about 1 year ago Just a word to all of my brother and sisters of the road. On the 19th of December 2007, I was struck from behind by a pick-up truck at an intersection after a signal light change. I had multiple fractures of my right foot and other deep bruises but not life threatenting condition. Healing and recoperation took several months. Loss of income and also place of employment has caused some problems but we have not had to liquidate property to survive. Legal process has had to be used because the insurance company's offer to settle didn't cover what I had record of for just medical cost with my personal medical coverages. The bike was repaired at no personal cost. I now understand what UNINSURED AND UNDER INSURED means as after all of my bills,reembusements and legal cost have been covered under his policy limits, very little is left for compensation.. My biggest problem dealing with his insurance company was getting answers to questions. During the 2 year statuate limit for claims, I could not get anyone to state what was paid or not paid when an offer to settle was presented. As I now find their first offer would not have covered many of the medical costs. My case is still not closed at this time. I am fortunate to be healthy and no longterm problems that could be disabling. Without the personal extended coverage we could have lost everything if my injuries had been worse. Check your coverage for yourself and passenger. It can save you and your family many problems and possable ruin the rest of your lives. |
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