You're enjoying a beautiful ride through Wisconsin's countryside on your motorcycle when suddenly, a car swerves into your lane, sending you flying. As you try to regain your bearings, your first thought is likely, "Please let the other driver have insurance." But what if they don't?
At Hupy and Abraham, S.C., our motorcycle accident attorneys understand the unique challenges riders face after a crash, especially when the at-fault driver is uninsured. For over 50 years, we've fought for injured motorcyclists across Wisconsin, Illinois, and Iowa, helping them navigate complex insurance issues and get the compensation they deserve.
Understanding Uninsured Motorist Coverage
Uninsured motorist (UM) coverage is an optional type of insurance that protects you if you're in an accident caused by a driver who doesn't have liability insurance. While not required by law, it's a critical safeguard for motorcyclists.
Here's how it works: If an uninsured driver hits you, your UM coverage pays for your damages up to your policy limits. This might include:
- Medical expenses
- Lost income
- Pain and suffering
- Property damage to your motorcycle
Without UM coverage, you'd be left to pay these costs out of pocket or attempt to sue the uninsured driver directly—a difficult and often fruitless endeavor.
The Importance of Adequate Coverage Limits
When selecting UM coverage, it's crucial to choose limits that realistically reflect the potential costs of a serious motorcycle accident. Remember, motorcyclists often face more severe injuries than car occupants in a crash.
Consider the financial impact of extended hospital stays, surgeries, and long-term rehabilitation. Even a relatively minor crash could result in thousands of dollars in medical bills and lost income. Our motorcycle accident attorneys recommend selecting the highest UM limits you can comfortably afford.
Underinsured Motorist Protection
In addition to UM coverage, you may also want to consider underinsured motorist (UIM) coverage. This protection kicks in when the at-fault driver has some insurance but not enough to fully compensate you for your losses.
For example, let's say you suffer catastrophic injuries in a crash caused by a driver with only $25,000 in liability coverage. If your medical bills and lost wages exceed that amount, UIM coverage could help bridge the gap.
Navigating Insurance Claims After a Motorcycle Accident
Regardless of whether the at-fault driver is insured, it's essential to notify your own insurance company promptly after a motorcycle accident. Failing to do so could jeopardize your ability to recover compensation.
However, be cautious when speaking with any insurance adjuster—even your own. Remember, their goal is to minimize payouts, not necessarily to ensure you're fully compensated. Stick to the basic facts of the accident, and avoid discussing fault or the extent of your injuries until you've consulted with a motorcycle accident attorney.
The Role of an Experienced Motorcycle Accident Attorney
Pursuing a UM or UIM claim can be a complex and frustrating process. Insurance companies may dispute liability, argue that your injuries aren't covered, or offer a lowball settlement that falls far short of your actual losses.
That's where an experienced motorcycle accident attorney can make all the difference. At Hupy and Abraham, S.C., we have a proven track record of success in handling uninsured and underinsured motorist claims for injured riders across the Midwest.
Our attorneys can:
- Thoroughly investigate your accident to gather evidence of fault
- Document the full extent of your injuries and losses
- Negotiate aggressively with insurance companies on your behalf
- Take your case to trial if necessary to pursue maximum compensation
We understand the unique challenges facing motorcyclists after a crash, and we're committed to fighting for every dollar you deserve. With offices throughout Wisconsin, Illinois, and Iowa, we're ready to put our experience and resources to work for you.