Tony was driving his motorcycle on Route 507 between Tafton and White Beauty View. Jose was traveling in the opposite direction and was distracted by the view of the lake. Jose inadvertently drifted over into Tony’s lane causing a head on collision. Tony suffered severe injuries as a result of a motorcycle accident. Tony sought out legal counsel and through the investigation found out that Jose only had $15,000.00 in coverage on his vehicle. Tony’s medical bills were well over $200,000.00 alone. Tony did not have underinsurance coverage on his motorcycle policy but he did have it on his auto policy.
ISSUE: Will Tony have additional sources of money to collect as a result of the accident?
ANSWER: A lot depends upon the language in Tony’s auto policy. Many auto policies specifically exclude from coverage motorcycles. It is possible though if the exclusion is not included in the auto policy, that Tony will be able to go after his own auto carrier for his underinsurance coverage. In this case, Tony had two vehicles each with $100,000.00 in underinsurance coverage. At least Tony will now have an additional $200,000.00 to help pay his medical bills. It is very important for those who have motorcycle insurance to make sure that they have a large amount of underinsurance protection which is very inexpensive. Many injuries suffered by motorcycle riders result in catastrophic injuries that lead to substantial medical bills.
Disclaimer: The above article is for instructive purposes only and each case is fact sensitive. Consultation with an attorney should be obtained instead of reliance upon the legal issues discussed in this column.