According to the Insurance Information Institute (III), nearly 17 percent of vehicle owners in Indiana drive without any type of auto insurance. Uninsured drivers present a significant financial risk to motorcyclists when accidents occur. A victim may be left with a severe disability, a pile of medical debt, and little to no income to handle daily living expenses.
If this sounds like your motorcycle accident case, then you may want to consult an Evansville uninsured motorcycle accident lawyer. Sevenish Law Firm, P.C. provides legal services for clients involved in uninsured motorcycle accidents. Contact our law firm today to find out how to get started with your case.
Call 317-720-3229 to get a free case review.
What to Do After You Are Hit By an Uninsured Motorcyclist
A motorcycle accident case can be a long process in which it takes months to receive compensation for your damages. Therefore, it is crucial that you act decisively and make smart decisions. Steps you should take when moving forward with your case (if you have not already done so) include:
Seek Medical Help Immediately
If you are one of the lucky ones who walks away from a motorcycle accident, you should still visit the ER or your doctor without delay. The sooner you receive medical treatment, the easier you may be able to link your injuries to your accident. Delays can cause the insurance company to become suspicious. Make sure you discuss the accident with your doctor and get a full diagnosis of your injuries, regardless of how minor they seem to be.
Document the Accident and Your Injuries
If you are physically able, then try to document the accident. Take photos and videos of the scene and your injuries. Gather contact information from eyewitnesses. Also, review the police report to make sure all the details are correct.
Consider Consulting a Motorcycle Accident Lawyer
Before you speak with anyone about your accident, you may want to consult an Evansville uninsured motorcycle accident lawyer. A lawyer can listen to your story, answer your questions, and discuss your legal options.
By taking the necessary steps, you can work towards financial recovery. Sevenish Law Firm, P.C. can help you gather all documents and prepare to submit your case to your insurance company.
Motorcycle accidents can cause extensive damage to your bike and severe injuries that take months to recover from. Consequently, your expenses may exceed your coverage limits. If the other driver is uninsured, you may not know what other options you have for recovering your damages.
Sevenish Law Firm, P.C. can look at your case to help you determine what you can do to pursue compensation from the at-fault party. Call our law firm today and let us discuss your case. Get a free case review by calling 317-720-3229.
What Indiana’s ‘Contributory Fault’ Accident Policy Means for You
When it comes to auto or motorcycle accidents, Indiana imposes a “contributory fault’ accident regulation under IC 34-51-2-5. This means that whoever caused the accident is primarily liable for your damages, but you could also be liable for less than 50% of the damages. However, if the at-fault party is uninsured, you may be able to recover your portion of damages through uninsured motorist coverage (UIM) on your policy.
What Damages UIM insurance covers
Your medical bills may include emergency medical care, as well as long-term disability or in-home care. You may claim medical costs such as surgical procedures, hospital stay, rehabilitation, pain medication, or medical devices.
You may also be eligible to claim your total lost income including wages, tips, bonuses, or benefits. Your employer can provide documentation on the total amount of pay you lost while you were in recovery.
Pain and Suffering
Uninsured motorist coverage also covers pain and suffering, which is how much you suffered physically or emotionally as a result of the accident. Pain suffering may also include loss of consortium, loss of parenting capabilities, or overall loss of joy of life.
A lawyer from Sevenish Law Firm, P.C. can work with your insurance company to negotiate a fair settlement based on your damages. Our goal is to get you the fairest amount of compensation possible so that you can get back on your feet.
Suing the Other Driver for Your Motorcycle Accident
If your UIM insurance does not cover your expenses or if you waived UIM insurance, you may be able to file a lawsuit against the at-fault party to recover damages. Your motorcycle accident lawyer can gather evidence of fault and liability, build your case, and represent you in court.
There are several factors that determine how much you may be awarded by the judge or jury. However, individuals often do not have the means necessary to pay for your damages. Therefore, we can help you consider other options before suing the other party directly.
Consider Working with an Evansville Uninsured Motorcycle Accident Lawyer
If you or a loved one was injured as a result of a motorcycle accident, then contact our law firm today. Sevenish Law Firm, P.C. can help you get the compensation you deserve for your damages. Call 317-720-3229 to get a free case evaluation.