When you get your motorcycle going and want to be on the road, the last thing you are thinking about is being run off the road. No one expects to have their life turned upside down. Unfortunately, too many riders are left dealing with life-changing injuries such as spinal fractures, broken bones, head injuries, and amputations.
What Is UM/UIM?
UM/UIM is uninsured/underinsured motorist coverage. Uninsured motorist coverage means you get hit by a driver that doesn't have any insurance or you are involved in a hit and run. Underinsured motorist coverage means you are hit in a wreck by someone that doesn't have enough insurance to cover your injuries.
Isn't It Expensive?
Most bike riders say it is too expensive, so they won't get it. They only get it on their car. However, you are much more likely to have a life-changing event on your bike than in your car.
Do I Need It?
No, UM/UIM motorist coverage is not required for a motorcycle in Texas. However, I would argue that you do need it. I have yet to handle a case where one my clients that was on a motorcycle was glad they didn't purchase UM/UIM insurance. Most of my clients didn't have UM/UIM insurance before their life-changing wreck. The other drivers usually only have a $30,000 or $50,000 policy. That is not enough to help fix and make up for a spinal injury, amputation, or brain injury.
Guess What Every Single One Of My Client's Wish They Had?
You guessed it... UM/UIM.
What Happens If I Didn't Have It?
Like most catastrophic cases or wrongful death cases that I handle, the medical bills and lost wages far exceed the insurance coverages. In these cases, we take a look at all available options for insurance and the likelihood of success at each of them. We sit down and discuss them with you. From there we develop a plan to begin working on resolving claims against each insurance option. Starting with the primary policy, which is usually the at-fault driver. Then, we continue moving our way down.
Once we have exhausted all insurance options, we now begin working on resolving and reducing all medical bills and medical liens you owe back. This will involve subrogation with your health insurance company and dealing with the hospitals and doctors for their extra charges.
Where Can I Learn What The Process Entails?
This is a very simple answer. You can read my book called The Essential Guide For Your Texas Injury Case. It outlines and details the different phases of a personal injury case for you. It also includes some important chapters on dealing with insurance companies and how we operate here at The Button Law Firm.
As always, if you have any questions for your motorcycle wreck, give us a call or email us. If you are just looking for guidance prior to getting on the road on your new bike, don't be afraid to reach out to make sure that you are covered and ready to go! Safe travels on the roads. If anything happens, we are here to help you get back on your feet and protect you from the insurance companies.