Biketoberfest accidents drive home the fact that motorcycle accidents are some of the most devastating types of auto accidents on the road. Nearly 90,000 motorcyclists are injured in accidents every year, making the chances of being involved in an accident too high to ignore. Motorcyclists, perhaps more than any other type of driver, need to have adequate insurance coverage to offset these risks.
Compounding that risk is the fact that motorcyclists are much more exposed than automobile drivers and are far more likely to sustain terrible personal injuries and serious motorcycle damage. Motorcycle insurance can help pay for the costs of these injuries and damages if you have the right types and amounts of coverage.
One type of motorcycle insurance coverage that often gets overlooked is Uninsured Motorist (UM) coverage. UM coverage is not required in the State of Florida and as a result, tends to get glossed over by drivers and insurance agents, but it’s one of the most effective forms of coverage a motorcyclist can have and it is something every Orlando motorcycle lawyer recommends their clients carry.
UM Insurance Helps Cover Your Injuries, Not Just the Other Driver
Uninsured Motorist coverage is similar to liability coverage, which is required by the state. The key difference between these two types of coverage is that where liability coverage helps pay for injuries and damages that you cause, UM coverage pays for injuries and damages that you sustain in an accident.
In an ideal world, the driver who caused the accident would have adequate liability insurance and the victim’s medical bills and motorcycle repairs would be covered under that policy. Unfortunately, we do not live in an ideal world. Insurance coverage is difficult to enforce and because of that, there are many, many drivers who do not have liability insurance or don’t have enough liability coverage to pay for all the bills. This hurts Orlando motorcyclist rights by eliminating their chance to receive compensation for their injuries or property damage. When an uninsured motorist causes an accident, the victim is left to pay for their own injuries and damages…unless the victim’s insurance policy includes UM coverage.
If a motorcyclist has UM coverage and is involved in an accident with a driver who does not have or does not have enough liability insurance coverage, the motorcyclist’s own policy coverage kicks in and helps pay for the driver and passengers’ injuries and damages. In short, UM coverage takes the place of the liability coverage that the other driver should have had. UM policies cover hit and run accidents too.
Speak With An Orlando Motorcycle Attorney at Dellecker, Wilson, King, McKenna, Ruffier & Sos, LLP To Learn More About Protecting Yourself As A Motorcyclist
The attorneys at Dellecker, Wilson, King, McKenna, Ruffier & Sos, LLP have been fighting in Orlando for the protection of motorcyclists since 1989. We have seen the devastation that a motorcycle accident can bring and cannot stress strongly enough how important UM coverage is.