Accidents on the road are sometimes difficult to avoid, and when you ride a motorcycle, your risk of being involved in a collision or seriously injured as a result is higher. Accidents can suddenly become very complicated when one of the parties involved is not covered by insurance. Being involved in a road traffic accident if you’re not covered with insurance can be a very expensive mistake, and drivers and riders need to understand their options in this situation.
When the Accident Happens:
In the case where you have insurance and the other party does not, it’s still important to be aware that in many cases, recouping your costs from the driver without insurance is often unlikely. You may want to consider getting advice from Michigan Motorcycle accident lawyers. Somebody who is uninsured is likely to have failed to get insurance because they cannot afford it, so while you can still seek legal action against the person, you are likely to be ultimately responsible for the legal costs if they are unable to afford it. It is possible that your own insurance policy will cover you if you are hit by an uninsured driver, so it’s worth contacting your own insurance company after a collision.
If you Don’t Have Insurance:
You may be in a situation where you are the person without insurance at the scene. Even if you do not have insurance on your bike, you should still contact the police and file a report to ensure that your rights are protected. If you were not at fault for the accident and the other party has insurance, their insurance should still cover your damages. On the other hand, if you are at fault for the accident, you should still give a statement to the police since the other party may sue you, and you will be required to have proof of the incident. You should consider contacting a lawyer in this situation to protect your rights and assets.
How to Protect Yourself:
Since it is impossible to tell if a driver is insured or not when they are on the road, as a motorcyclist, all you can do is protect yourself from the potential event of being hit by or colliding with an uninsured driver. Since a collision with an uninsured driver can be very costly for you even if the accident was not your fault, the best step to take is to get insurance that covers you in the event that you are hit by a driver who does not have insurance. In this case, you can depend on your own insurance company to pay out any damages that would have normally been paid by the other driver’s insurance company. In many states, uninsured driver insurance is now mandatory to protect drivers from the stress and financial problems that these situations can lead to.
As a motorcyclist, a collision where one or more drivers or riders don’t have insurance can be a stressful situation. It’s always important to make sure that you don’t ride your bike without insurance and get cover for uninsured drivers.
