Uninsured & Underinsured Motorcycle Accidents Lawyers in Los Angeles
If you or a family member suffered a debilitating injury in a motorcycle accident caused by the careless actions of a motorist in California, you are probably feeling anxious, overwhelmed, and uncertain about the future.
These feelings are exacerbated when your injuries were caused by a motorist who does not have insurance or possesses paltry insurance coverage insufficient to compensate you for your harms and losses. You may be surprised to learn that close to 20 percent of motorists in California lack any type of insurance coverage.
This is quite troubling since there are laws in place requiring all motorists in California to carry insurance coverage. Specifically, California law requires all motorists maintain a minimum of “15/30/5” vehicle liability insurance coverage.
This means all California motorists should be carrying, at minimum, this amount of insurance coverage:
- $15,000 for injury/death to one individual.
- $30,000 for injury/death to more than one individual.
- $5,000 for damage to property.
Of course, as mentioned earlier, not all California motorists have insurance coverage or rely on this bare minimum coverage. If you are hit and injured by an uninsured motorist or underinsured motorist and are struggling with what to do next, one of the best steps to take is to schedule a free, confidential case review with an experienced uninsured motorist accident attorney in Los Angeles.
During the case review, an attorney will review available information, including your insurance policy, along with answering your most-pressing questions. The case review is a great way to get an overview of your legal options and whether it makes sense to move forward with a motorcycle accident injury claim.
What Happens if You Get Hit by Someone Without Insurance?
Getting hit and injured by someone without adequate auto insurance is a nerve-racking and stressful experience. Why? Because we assume that, if we are injured in an automobile accident, there will be insurance coverage that is accessible to compensate you for your harms and losses.
When you discover that the negligent motorist has no insurance or insufficient insurance, that assumption is thrown out the window and you are left to wonder if you will be compensated for your harms and losses or if you will be left irreparably harmed physically and financially.
Can I File a Claim Without Having Motorcycle Insurance?
I don’t have motorcycle insurance, can I still make an injury claim? Does the “No Pay, No Play.” rule apply to me?
If you or a loved one was badly injured in a motorcycle accident caused by another motorist, you may be limited in your ability to pursue financial restitution for your harms and losses if you do not have your own automobile insurance coverage. This is because California’s motorcycle insurance law is unique.
The “No Pay, No Play” rule effectively penalizes uninsured motorists by limiting their ability to pursue specific forms of damages after an accident, including motorcycle accidents. According to the “No Pay, No Play” rule, a motorist can file a claim to try and recover financial restitution for economic damages caused by the careless actions of another motorist, including reimbursement for medical expenses, lost wages, and damage to your motorcycle.
California is one of just 10 states that adheres to a rule called “No Pay, No Play.”
However, you will be prohibited from pursuing non-economic damages, such as pain, suffering, disfigurement, embarrassment, and so forth. You will also be unable to pursue compensation for future medical expenses. This may seem harsh, but it is important to remember that the overarching objective of the “No Pay, No Play” rule is to encourage motorists to comply with California’s insurance laws by penalizing those who travel on roads and highways without sufficient insurance coverage.
What Penalties Are There for Driving Without Insurance in California?
If you are involved in a serious accident while operating your motorcycle and you lack sufficient insurance coverage, there are penalties and ramifications for failing to comply with California insurance laws.
As mentioned, you will likely be subjected to the full wrath of the “No Pay, No Play” rule which prohibits you from pursuing financial restitution for certain types of harms and losses stemming from a wreck. In addition, you could be subjected to a monetary fine and the loss of your driving privileges.
An Uninsured or Underinsured Motorist Hit My Motorcycle
If you were hit by an uninsured or underinsurance motorist while operating your motorcycle, you probably have numerous questions about how to pay your medical bills, what to do about other fixed expenses like your rent and car payment, and what damages you may be eligible to pursue through a personal injury claim.
The best way to get these questions answers is by taking the time to speak with an experienced and seasoned uninsured and underinsured motorcycle accident attorney in Los Angeles.
What Compensation Can I Expect?
After speaking with an experienced motorcycle accident attorney, they may suggest moving forward with filing an uninsured or underinsured motorist claim through your own auto insurance policy.
If a claim is filed, you may be able to seek the following forms of compensation:
- Reimbursement for your medical bills (both immediate and long-term)
- Reimbursement for your lost wages (both immediate and long-term)
- Reimbursement for the repair costs of your motorcycle
- Pain and suffering damages (i.e. the non-economic harm you suffered such as embarrassment, inconvenience, etc.)
How a Los Angeles Attorneys can Help my Case
If you are on the fence about hiring an uninsured motorcycle accident lawyer, it is important to understand the myriad ways in which an attorney can help secure maximum financial restitution in your injury case. First and foremost, an attorney will help level the proverbial playing field between you and the insurance company.
When you file an injury claim, including an uninsured or underinsured motorcycle accident injury claim, the insurance company will have a team of experienced defense attorneys and claims adjusters working on their behalf.
Who will be working on your behalf?
This is where an uninsured motorist accident attorney in Los Angeles can be a tremendous asset. Many experienced and respected accident lawyers in California work with a team of dedicated and respected professionals, including investigators, legal assistants, claims analysts, etc.
Your Los Angeles motorcycle accident lawyer, with the aid of their team, will take the time to conduct a thorough investigation of your accident, review medical evidence, review wage statements, and negotiate on your behalf with the insurance company.
Another major benefit associated with hiring a motorcycle accident injury attorney is that they can help navigate you through a complex set of rules and regulations.
For example, your claim must be filed within the applicable statute of limitations. If you fail to file within the statutory period, your claim could be barred from going forward.
This is why you should take action by contacting an experienced motorcycle accident injury lawyer sooner rather than later.