Accidents Involving Underinsured Motorists Any individual who drives a car or rides a motorcycle in Arizona is required by law to have liability insurance. Even though the law is intended to protect other motorists should they be struck by another driver that was found at-fault for the accident, it doesn't always work the way it should. This is because the minimal coverage requirements in Arizona are relatively low. Motorists need to have insurance that covers at least $15,000 per person and $30,000 per accident for any injuries they've caused to individuals, as well as at least $10,000 in coverage for property damage.
When it comes to motorcycle accidents, the value of the damages will often exceed these amounts. This is mainly due to the unfortunate reality that motorcyclists are more likely to be seriously injured if struck by another vehicle, thus incurring higher medical bills and more lost wages. A motorcycle will also suffer a greater amount of damage during a collision, meaning that the cost of repairing a newer one can easily exceed $10,000. Even a low-speed collision can result in a total loss.
If you were involved in an accident and the responsible driver doesn't have sufficient insurance coverage to pay for all your damages, you should contact an Arizona motorcycle accident attorney right away. Your attorney will discuss your case with you and provide you with more information about your legal options and potential remedies available to you. This may include taking legal action against the driver who caused the accident.
Why Underinsured Motorist Coverage Is Important for Motorcyclists
If you ride a motorcycle in Arizona, you have a way to protect yourself from motorists whose insurance isn't sufficient to cover the damages they've caused. All that you need to do is to add an underinsured motorist (UIM) coverage option to your current motorcycle insurance policy.
This type of coverage will pay for the difference between the damages you've suffered in an accident and what the other driver's insurance has paid, up to your chosen coverage limit. For example, if a motorist is found at-fault in an accident and they've caused $20,000 of damage to your motorcycle, while only holding the minimal $10,000 coverage amount for property damage themselves, your insurer will cover the difference so that you can get your motorcycle repaired or replaced.
What You Should Know Before Filing a Claim
If you were struck by another driver while riding your motorcycle in Arizona and their insurance coverage amount isn't enough to pay for the damages they've caused, you can file a claim under your underinsured motorist coverage. Before you do so, you should get in touch with an experienced attorney that specialises in motorcycle accident cases. Your attorney can help by explaining how the claim process works and will ensure that you receive a fair amount of compensation from your insurer.