Motorcycle Insurance Coverage

Skilled Personal Injury Insurance Lawyer

Insurance policies are complex and often apply to motorcyclists in unique and different ways than they apply to car, SUV, or truck drivers. If you have suffered motorcycle accident injuries, you need to consult with an Arizona lawyer who understands insurance law.

Contact us to schedule a free initial consultation and case evaluation at our offices in Phoenix, Arizona, with a knowledgeable personal injury attorney.

Motorcycle Insurance CoverageDon’t Sign Away Your Insurance Rights

If you’ve been injured in a motorcycle accident in Arizona, there may be several sources of payment for your damages, especially medical damages. In addition to your own medical insurance, your liability insurance, and the other driver’s liability insurance, you may have medical payments coverage from your auto insurance company.

Medical payments coverage provides compensation for your accident-related medical bills, no matter who was at fault for the accident. Under normal circumstances, you will receive a payment for the full amount of your medical bills up to the limit of your insurance policy.

If You Have Medical Payments Coverage, You Should Not Give Up Your Right to These Payments by Assigning Them to the Hospital or Other Medical Provider

If the hospital or any of your health care providers ask you to sign anything when you are treated, be sure to read it and understand it. Speak with an attorney, and make sure that if you have health insurance, it is your health insurance that will be responsible for paying the hospital.

The same goes for the other driver’s insurance company. Do not sign any releases, authorizations or assignments without contacting and speaking with an experienced Arizona motorcycle insurance attorney.

Understanding Uninsured and Underinsured Motorist Coverage

Many Arizona motorcycle owners choose to waive the option of uninsured motorist and underinsured motorist insurance. Unfortunately, many of these motorcyclists then get involved in accidents with people who do not have insurance or people with minimum policy coverage.

Uninsured and underinsured motorist insurance protects you and your family from the consequences of accidents caused by people who don’t carry insurance or don’t carry enough insurance to compensate you. We can help you understand the legal implications of this kind of insurance.