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In Norwalk, motorcyclists should look for a comprehensive motorcycle insurance plan that will cover any and all loses not only when the fault is with them but also when they are the victim in an accident. This is because if someone hits you with inadequate insurance, you can use you uninsured or underinsured motorist coverage to overcome a lack of coverage.

Reach out to an experienced attorney to learn more about insurance and Norwalk motorcycle accidents. A skilled motorcycle accident lawyer could help you recover the compensation that you deserve.

Factors Impacting Insurance Rates Following a Motorcycle Collision

Motorcycle accidents can negatively impact a person’s insurance rates more than they would after a car accident in Norwalk. Insurance companies are in the business of making money. If a person gives the insurance company any reason whatsoever to raise a person’s rates, they would. Whether or not an individual is at-fault, an insurance company feels they are entitled to raise a person’s rates. Therefore, it is crucial to contact an accomplished attorney to make sure this does not happen if it is not their fault. It is illegal for the insurance company to raise their rates solely based on the fact that they have been involved in an accident.

In Norwalk, other factors that may influence a person’s rates if they are involved in a motorcycle accident are age, the circumstances of the accident, and the number of accidents that they have had in the prior three to five years.

What is Uninsured Motorist Coverage?

Uninsured motorist coverage protects someone involved in an accident in which the accident is:

  • Not their fault
  • The negligent party does not have insurance or has inadequate insurance

In Connecticut, it is the state law that if a person has insurance, they must also have uninsured motorist coverage. The minimum uninsured motorist coverage is $300,000. It is recommended $300,000 in coverage because if the individual is involved in a serious accident with someone who does not have insurance, they can use their own uninsured motorist policy to compensate for lost wages and medical expenses. Also, if a person is in a hit-and-run accident, the injured victim can use their uninsured motorist coverage to compensate them.

Umbrella Coverage

In Norwalk, excess or umbrella coverage can come in many different forms. Excess coverage can be used to supplement a person’s existing motor vehicle insurance if they are responsible for a motor vehicle accident. It is not necessary to carry an umbrella policy, but to feel safe from any sort of excess liability in a serious motor vehicle accident, carrying an umbrella is important to protect people from serious motor vehicle accidents that involve grave injuries, including death. Without an umbrella policy, someone can face personal liability over their motor vehicle policy insurance. For more information about insurance and Norwalk motorcycle accidents, reach out to a seasoned lawyer.

Recoverable Damages an Injured Person Could Claim

The most common damages an injured person in Norwalk can claim in a motorcycle accident insurance claim or lawsuit includes medical bills, future medical expenses, lost wages, future lost wages, and pain and suffering.

A lawyer who is knowledgeable about insurance and Norwalk motorcycle accidents could help you recover the compensation that you deserve. Call today if you were injured in a motorcycle collision.