I had a client the other day who was telling me about a motorcycle accident they saw happen, and it
got me to thinking. Normally, when I think of a motorcycle accident, I think of
a collision between a motorcycle and a car – or worse, between a motorcycle and a truck or
semi. But this client saw what may be a more common accident.
A motorcyclist was minding
his own business in his lane when a car cut him off. The rider had to swerve hard to avoid being
hit, and in doing so laid his bike down. The driver of the car never saw the motorcycle and drove
on. I don’t know any more of the details or whether the rider was hurt, but going down on a
motorcycle is not something you want to do.
If the rider had been hurt and the car driver
who caused the accident was nowhere to be found, then what? Who’s responsible – and more
important, who’d going to pay? Think of it as a hit-and-run driver, without getting hit.
If this has happened to you, you do have options. You can still be compensated for your
injuries and the damage to your motorcycle by using your own uninsured motorist coverage. Your
policy should provide coverage even though the other driver is long gone. In fact, this is an
important reason why every motorcyclist should have a good level of uninsured/underinsured coverage
on their policy.
But insurance companies aren’t always eager to pay this kind of a
claim – or many motorcycle accident claims, for that matter. They may fight you – even
if it’s your own insurer. If your motorcycle accident was caused by a driver who can’t
be found, give me a call today at (303) 758-4777 or email me. Or for more information, see our website at
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