Motorcycle accidents result in traumatic injuries each day in the United States. Because a motorcyclist lacks the protection of being in a vehicle, the injuries sustained in a crash are usually severe and costly. It is not uncommon for the damages in a motorcycle crash to reach into the hundreds of thousands of dollars when you include medical expenses, lost wages, property damage, future damages, physical pain, and emotional suffering. It can be very risky to ride a motorcycle these days given the number of accidents caused by distracted and reckless drivers.
In order to protect yourself and protect your family, you need to understand the insurance coverage available to motorcyclists in Kentucky. Every motorcyclist should carry both uninsured motorist coverage and underinsured motorist coverage in order to protect themselves in the event of a motorcycle crash.
Uninsured Motorist Coverage
Every motorist in Kentucky is required by law to carry minimum liability insurance coverage. Even though it is the law, thousands of drivers do not have insurance coverage. If you are in a motorcycle accident with an uninsured driver, you could be responsible for your own medical bills, lost wages, property damage, and other losses. You can try to sue the other driver to recover compensation, but if a driver doesn’t have insurance coverage he probably does not have sufficient assets to cover your losses.
If you have uninsured motorist coverage, your own insurance company is responsible for your damages. Your insurance company pays your damages, up to your policy limits, as if it was the insurance company for the at-fault driver.
Underinsured Motorist Coverage
Underinsured motorist coverage is similar to uninsured motorist coverage. However, this policy protects you in the event a motorist has insurance, but your damages exceed the policy limits. For example, if a driver has the minimum insurance coverage required under Kentucky laws ($25,000), but your total losses equal $50,000, your underinsured motorist coverage should pay you the difference of $25,000.
Do I Need A Lexington Motorcycle Accident Attorney?
Many people assume if they are dealing with their own insurance company that they don’t need to hire a motorcycle accident attorney. This is not necessarily true. Your insurance company is like all other insurance companies — it is in business to make money. Paying large insurance claims isn’t in its best interest. It will do whatever it can to lower the amount it must pay to settle your claim even though you are a customer.
Therefore, it is still in your best interest to consult with a Lexington motorcycle accident attorney before you settle your claim. In fact, you should contact an attorney as soon as possible so that he can begin immediately protecting your best interest. Don’t assume the insurance adjuster is looking out for you just because he or she works for your insurance company. You need an attorney who has your best interest as his top priority looking out for you and fighting for your right to receive a fair and just settlement for your motorcycle accident claim.
Contact a Lexington Motorcycle Accident Attorney Who Understands Insurance Coverage
Our Lexington motorcycle accident attorneys understand insurance coverage in Kentucky. We also have extensive experience handling motorcycle accident claims. We can help you recover the compensation you need to help you and your family as you recover from injuries sustained in a motorcycle crash.
Contact the Shelton Law Group at 1-888-761-7204 or use our online contact form to speak with an attorney and to schedule a free legal consultation and case evaluation.