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Why Uninsured Motorist Coverage Is Important for Motorcyclists

By Steve Charpentier on December 28, 2018

A law book and scales of justiceRiding a motorcycle can be a lot of fun, and can be your day-to-day mode of transportation. Whether it’s a commuter vehicle or a recreational vehicle, you are entitled to ride a motorcycle on the streets of Melbourne, FL and expect a reasonable level of safety for your well being. Unfortunately, this is often not the case. The operators of cars, trucks, tractor-trailers, and other motor vehicles sometimes have little regard for the rights of motorcyclists.

Attorney Stephen G. Charpentier feels it is crucial that all motorcyclists carry as much uninsured/underinsured motorist coverage on the motorcycle and every other vehicle in the household as they can afford. As the team at Charpentier Law Firm, P.A. will explain, motorcycle accidents can be expensive even if you have normal insurance coverage. Protecting you and your loved ones is crucial.

Statistics on Uninsured Motorists

According to a study by the Insurance Research Council (IRC), roughly 13 percent of American motorists was uninsured in 2015. That is 1 in 8 drivers. The state of Florida has the highest percentage of uninsured drivers in the country, with a staggering 26.7 percent in 2015.

Those numbers should give you pause, and help you understand why having uninsured/underinsured motorist coverage is essential.

Just What Does Uninsured Motorist Coverage Do for You?

Uninsured motorist benefits provides coverage for injuries and damages suffered in a motor vehicle versus motorcycle crash where the at-fault party (the person causing the crash and responsible for your injuries) either doesn’t have bodily injury liability coverage or inadequate levels of bodily injury coverage.

Given the statistics shared above, both scenarios are quite typical in Brevard County.

The Type of Uninsured Motorist Coverage Matters

It is further important that the type of uninsured motorist coverage that is purchased be “stackable” or “straight” uninsured motorist coverage as opposed to “non-stackable” uninsured motorist coverage. There are two reasons for this:

  • If you have stackable or straight uninsured motorist coverage, you can add the coverages for every vehicle insured in such way within the household to increase your available uninsured motorist coverage.
  • If you have uninsured motorist coverage that is stackable/straight on a motor vehicle in your household and for some reason have no uninsured motorist coverage on an owned but uninsured motorcycle, you still may be able to collect uninsured motorist benefits.

The bottom line is that motorcyclists need to carry high limits of uninsured/underinsured motorist coverage that is stackable or straight. It is simply in their best interests.

How an Attorney Can Help

If a dispute arises between you and your insurance provider regarding a collision with an uninsured or underinsured motorist, a lawyer can help you receive the coverage you are entitled to. We can go over your coverage and the nature of the crash, parsing the language and considering the nature of your situation to help you receive benefits to cover medical needs and vehicle damage. We are here to help.

Learn More About Auto Accident Cases

For more information about your legal rights and options after a motorcycle accident, be sure to contact an experienced personal injury lawyer. The attorneys at Charpentier Law Firm, P.A. are here to help. You can reach our Melbourne office by phone at (866) 615-7868, our Cocoa office at (321) 631-5446, and our Titusville office at (321) 308-8025.

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