Having insurance is not only required, but it is also a form of important protection for you and your loved ones if you were to be involved in a collision. Bikers who are injured in accidents that are caused by someone else’s negligence are entitled to pursue compensation for their damage through the at-fault party’s insurer. Unfortunately, operating a vehicle or motorcycle without coverage is all too common in this state.
If you sustained harm after being in a wreck with someone who lacked sufficient insurance coverage, you might still be able to recover for your losses with the help of a qualified motorcycle accident attorney. Reach out to The Law Offices of Kevin J. Roach, LLC, to schedule a consultation with a Chesterfield uninsured/underinsured motorcycle accident lawyer to learn more.
In Missouri, having bodily injury coverage on one’s vehicle is mandatory. The minimum amount allowed is $25,000 per person and $50,000 per accident. In addition, bikers must have uninsured motorist coverage of at least $25,000 to $50,000. There is another type of insurance called underinsured motorist, commonly referred to as UIM. While this is not required, it is highly recommended by our attorneys due to the amount of uninsured and underinsured motorcyclists we see involved in accidents on Chesterfield roads.
Another add-on option that will not break the bank is Med-Pay. This is supplemental coverage that will pay the driver and any passengers for medical expenses regardless of fault. An individual can have anywhere from $1,000 to $25,000 or higher in Med-Pay benefits, which can be used in conjunction with health insurance. Additionally, these payouts can be used towards whatever the payee deems necessary, including copays, deductibles, or any other expense.
A lack of insurance could be devastating for someone involved in a motorcycle accident since insurance companies are who injured parties receive compensation from to recover their losses after a wreck. For example, if an individual is hit by an uninsured driver or someone that does not have enough insurance coverage, that individual can fall back on their own uninsured motorist insurance. However, if they get hit by an uninsured driver, and they also have no insurance, there is nothing to file a claim for bodily injuries or property damage against.
Additionally, Missouri has a law commonly referred to as the “no pay, no play” statute. This states that if an individual does not have insurance and becomes involved in an accident that is not their fault, their claim can be partially barred. Any damages that are not compensatory, meaning not related to medical expenses or pain and suffering, can be precluded. Other penalties associated with being uninsured also may apply. A Chesterfield uninsured motorcycle crash attorney could help underinsured bikers attain coverage and protect their rights.
Insurance is a safety net that can protect you and your family if you are involved in a collision. While insurance is required in Missouri, many motorists unfortunately choose to forego appropriate coverage.
If you were involved in a crash while not being insured or with an individual who did not have coverage, let a Chesterfield uninsured/underinsured motorcycle accident lawyer help. Call our firm today to learn more about your options.