Randall & Stump, PLLC

Motorcycle Accidents - Insurance Issues

Motorcycle Wreck.jpg

On of the biggest issues in representing riders involved in Motorcycle Accidents is the amount of insurance coverage availble. Under North Carolina law a driver is required to carry is $30,000 Bodily Injury for each person, $60,000 total Bodily Injury for all persons involved.  Medical bills resulting from a Motorcycle accident can exceed $100,000.00 depending on the severity of the injuries. 

The attorneys at Randall & Stump, PLLC recomend that every rider have under and uninsured motorist coverage for their motorcycle in an amount of at least $100,000.00/$300,000.00. The last few Motorcycle Accidents that we have been involved with have had medical bills of over $250,000.00.  Fortunately, each of the riders had underinsured/uninsured insurence.  Typically what happens when dealing with insurance companies after a Motorcycle accident is that the at fault driver's policy will pay first.  For example, if you have $100,000.00 in medical bills and the at fault driver has only the minimum coverage of $30,000.00/$60,000.00 the at fault drivers insurance company is only obligated to pay you $30,000.00 leaving $70,000.00 unpaid.

Some riders beleive that is they have uninsured/underinsured coverage it will apply when they are in an accident.  This is true, but sometimes not like one would think.  

For example,  Lets say the at fault driver has an insurance policy of $50,000.00/$100,000.00 and the injured rider has an uninsured/under insured policy of $50,000.00/$100,000.00.  The at fault driver's insurance would pay the $50,000.00 and your own insurance would get a credit against its policy of $50,000.00 leaving no extra coverage.

If you have questions about insurance coverage or if you have been in a Motorcycle Accident, Please give us a call and speak with one of our attorneys at 704-286-6942 or toll free 800-565-1435 for a free consultation. 

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