Last Updated on November 11, 2020 by Theodore Spaulding
What To Do After Sustaining Motorcycle Injuries in Atlanta On Someone Else’s Bike
As a motorcycle accident law firm in Alpharetta, I wanted to do this video today because I was asked a question that brings up a good subtopic that I’ve talked about before, which is insurance, particularly UM insurance and how that works if you were in a wreck.
The question that the member had was, “what if I’m riding a friends’ or family members bike?” So, it’s not my bike, I don’t own it, I’m not insuring it, and I get hit and injured by someone while I’m riding it…and the answer to that is there’s going to be multiple layers of UM insurance, hopefully.
Here’s an overview of what happens in a motorcycle accident and what to expect when dealing with the insurance company:
The Role Of Insurance in Bad Motorcycle Accidents in Alpharetta
You’ve got the at-fault party. Traditionally, with their insurance pays out first, then you turn to UM in this situation because you are riding someone else’s bike. You’ve got two innocent people that are going to have the available UM coverage, hopefully.
first and foremost, next in line would be the UM coverage that your friend or a family member has on the bike. You’re a permissive user of it so, you should be covered for that UM. After that, if that does not satisfy or there isn’t coverage, then you look to any auto policies that you have.
Remember, that’s not just a bike and the motorcycle coverage and UM that you hopefully have with your own motorcycle or motorcycles, but also your everyday vehicles if you have others than just a bike. Often times, you have those on different policies or with different insurance companies altogether. Those are all different sources of UM coverage.
Hopefully, depending on what type of insurance it is, in the best cases scenario, you’re going to have at-fault insurance coverage.
Then, on top of that, you’re going to have the UM from your friend’s motorcycle insurance, then on top of that, you’re going to have your UM hopefully from various different sources, your motorcycle insurance coverage you’ll get on top of that, your regular vehicle UM coverage, and it just stacks upon each other,
Som in that scenario as strange as it is, you may have actually more coverage than you normally would if you were injured by someone riding your own bike.
How A Motorcycle Accident Law Firm in Alpharetta That Can Help
If you are unfortunate enough to be in a wreck and injured, you always want to reach out to a motorcycle injury attorney and have them consult with you because this is such a huge issue.
Motorcycle accident lawyers in Alpharetta can help you get enough coverage, by looking under every rock. Whether you hire me or not, make sure you got yourself protected from day one by getting notices out so you can recover compensation for the various types of motorcycle injuries.
I am here to try to help you guys stay safe, protect you guys, and fight for you guys. I want to do this to help you. Shoot me an email, comment on my video, or ask questions.
For close to 15 years, Mr. Spaulding has helped victims of negligence across the state of Georgia resolve personal injury disputes, and he’s received a remarkable number of awards and honors from the legal community recognizing his commitment to clients and to the metro-Atlanta area.
As an undergraduate, Mr. Spaulding belonged to the Phi Beta Kappa honors fraternity at the University of Georgia, and he obtained his legal training at the Georgia State College of Law, where he clerked for the Honorable Judge Rowland Barnes of the Fulton County Superior Court. Mr. Spaulding has also worked for the Securities and Exchange Commission’s Atlanta Enforcement Division. Since 2005, he has dedicated his career to helping the injured victims of negligence and their loved ones win justice in Georgia’s personal injury courts.