Underinsured / Uninsured Drivers

Motorcycle Accident Lawyer in Houston

Texas boasts some of the oldest and largest motorcycle communities in the nation. The Lone Star State offers a vast panorama of roadways. From challenging twisty, switchback roads in Hill Country to the sweeping and scenic vistas of the Gulf Coast, Texas has it all. Ask any motorcyclist, the draw is the road. Since 2000, riding popularity in the U.S. has been on a dramatic increase. While some attribute rising popularity to increased fuel prices, urban congestion and the economic downturn, recreation remains the overwhelming reason a rider rides. Whether you use your motorcycle for recreation, transportation or both, safety and the protection of insurance are vital parts of motorcycle ownership.

By necessity, motorcycle owners tend to be among the most knowledgeable and responsible of drivers on the road. It may be too late, however, when suffering injuries caused by motorcycle accidents due to the mistakes of uninsured drivers, to learn that your standard motorcycle insurance coverage is not enough. In these circumstances, when you have questions about legal rights and responsibilities of motor vehicle operation in Texas, a Houston motorcycle accident lawyer will help you get the answers you need. In 22 years advising and representing motorcycle owners, we have never failed to achieve a highly successful outcome in their motorcycle accident personal injury case.

Uninsured Motorists - UI

In Texas the term "Uninsured Motorist" has three legal definitions:

• First, the driver of a motor vehicle does not carry liability insurance coverage,
• Second, an unidentified driver in a hit-and-run accident, and
• Third, an insured driver whose insurance carrier denies coverage or is insolvent.

Despite mandatory liability insurance laws, an estimated 21% of all motorists on Texas roads and highways are uninsured, making it one the highest uninsured driving populations in the country. While no likes to talk about motorcycle insurance, it is evident that every motorcycle operator needs it and needs, as well, to make sure of protection against uninsured drivers. If the other driver has no insurance and is partially or wholly at fault, it is vital not be left stranded. We advise that you talk to your motorcycle insurance broker about UI coverage.

Underinsured Motorists - UIM

An underinsured motorist is one who has liability insurance with limits that are lower than the injured party's underinsured motorist coverage limits. In Texas, those who carry insurance often only have the minimum policy limits of $30,000. Unfortunately, with the high cost of health care, just one hospital visit could cost in excess of that minimum coverage. When you face the possibility of the types of injuries associated with motorcycle accidents, the other driver's $30,000 policy isn't going to protect you. UI and UIM protection can make the difference for you against uninsured/underinsured drivers.

If you have been involved in an accident with an uninsured or underinsured driver, it is important that you contact a Houston motorcycle accident attorney immediately to protect your legal rights.