The Importance of Underinsured Motorist Coverage for Motorcycle RidersJuly 21st, 2011 by Gabriel Z. Levin
This week I was retained to represent a young man who was badly injured while riding his motorcycle. A car recklessly changed lanes into my client causing him to crash into a parked car. My client is now paralyzed in his right arm and had to have multiple surgeries to repair organ damage. The passenger that was on the back of the bike did not survive. This tragedy was compounded when I learned that my client did not elect to carry any under-insured motorist coverage. The only avenue that he has to recover is the drivers insurance. Unfortunately, the driver had the state minimum coverage and my client is now left with a maximum recovery of fifteen thousand dollars. This will not even dent the enormous medical bills he has accumulated up to this point, let alone the future medical bills and lost income.
As an experienced Philadelphia personal injury lawyer I have seen this occur far to often. Most of the time it occurs in motorcycle accidents because these accidents generally tend to be very serious. I can not stress how important it is for motorcycle riders to get as much under-insured coverage as they can afford. The price of the insurance is nominal in comparison to the protection it provides.