If you were in an accident while riding your motorcycle, chances are you have some extensive injuries. The good news is you can file a claim with the responsible party’s insurance company and receive compensation to pay for those injuries. What if the other driver is uninsured? Will you have to pay all those expenses out of pocket? Fortunately, there are still a couple ways you can seek compensation for your injuries.
File a Claim with Your Own Insurance Company
If you’re properly insured, your policy probably contains uninsured or underinsured motorist coverage. This type of coverage was created for situations exactly like the one you’re in. If you are hit by another driver who doesn’t carry insurance, your insurance policy will cover your injuries instead. You could also get help paying for property damage, such as a destroyed motorcycle, through this coverage.
If you don’t have uninsured or underinsured motorist coverage, you may be able to dip into your health insurance coverage to get those medical bills paid. The only difference is personal health insurance obviously won’t cover property damage, so you’d still need to find a way to get your bike fixed.
File a Lawsuit Against the Liable Party
Insurance is required for all drivers in most areas, so if you are hit by someone who doesn’t carry insurance, you might have a good chance at achieving a favorable settlement through a lawsuit. At the time of your accident, you should call the police so an officer can make a report of what happened, as well as collect the responsible driver’s personal information. This is vital in you being able to make a case against that individual.
You should also collect other evidence to support your case. You could take pictures of your damaged motorcycle and your injuries. You could make copies of witness statements of expert testimonies. You could collect all your medical bills and statements from your doctors concerning your injuries. All of these forms of evidence will help you when filing a lawsuit against the person who caused your injuries.
Contacting a Lawyer for Help
Whether you choose to go the route of your personal health or auto insurance, wish to file a lawsuit, or both, you could benefit from having the help of an attorney. If you were in a motorcycle accident, then contact a Motorcycle Accident Lawyer, like the office of John K. Zaid & Associates to discuss your case. Do not worry about the potential cost because most personal injury lawyers work on contingency.