Being involved in a motorcycle accident with someone with insufficient insurance can be frustrating and confusing. Medical costs rise quickly, time off work adds stress, and dealing with multiple insurance companies can leave you feeling overwhelmed. Speaking with a Houston uninsured/underinsured motorcycle accident lawyer could help you understand what coverage applies and how to protect your claim.
A motorcycle collision attorney at KGS Law PLLC could examine your policy, confirm whether uninsured or underinsured benefits apply, and manage communications with insurers, as well as investigate the crash, build a medical record, and prepare negotiations. We could also help you avoid common mistakes, such as signing early releases or giving recorded statements that could weaken your claim. While no attorney can guarantee a favorable outcome, our guidance could help you regain control over a difficult situation.
Understanding UM/UIM Coverage
State law requires insurers to offer uninsured and underinsured motorist coverage (UM/UIM), and most policies include it unless the policyholder rejects it in writing. This type of coverage provides extra protection if the at-fault driver has insufficient or no insurance to cover the full amount of your claim. If the liability carrier pays only part of the damages, UM/UIM benefits could cover the remainder, subject to policy limits.
To recover damages under UM/UIM, you must prove the other driver was at fault and document the extent of any damages. Insurers often challenge liability, medical treatment needs and costs, or instances of wage loss, and they may request broad medical records or attempt to limit payouts. Because UM/UIM claims are considered first-party, communication with your own insurer should be handled carefully.
Under California Code of Civil Procedure § 335.1, most personal injury claims are subject to strict deadlines that require claimants to file within two years of an accident. State law includes prompt-payment provisions under California Insurance Code § 2695.7, which limit how much time carriers have to respond. Your attorney could help you understand how UM/UIM coverage works for motorcycle accident claims in Houston, ensure your claim meets the deadlines, and provide the relevant records to insurers.
Building a Case and Addressing Insurer Challenges
A strong insurance claim relies on both proof of liability and detailed damages. Acting quickly to preserve evidence after an accident can help your attorney build a strong case. This could include:
- Collecting witness names and contact information
- Providing police reports and insurance information to all carriers
- Keeping a record of medical bills, travel expenses, and lost income
- Photographing the crash site, motorcycle gear, and any visible injuries
- Seeking prompt medical care and following the recommended treatment plan
In addition, our team could examine police reports, diagrams, and expert crash analysis to determine fault and gather medical records and health care provider statements to establish a link between your injuries and the collision. We could also request your employee records to support loss of income claims.
Insurers often argue that motorcycle riders share responsibility or that they sustained their injuries before the crash. An attorney familiar with motorcycle accident claims involving uninsured or underinsured drivers in Houston could organize the right documentation, secure expert testimony, and build a case that addresses these disputes directly.
Contact a Houston Lawyer After an Uninsured Motorcycle Wreck
Handling an insurance claim involving an uninsured or underinsured driver can be overwhelming, but you do not have to face it alone. Consulting with a Houston uninsured/underinsured motorcycle accident lawyer could help you understand your rights, avoid mistakes, and approach insurers with confidence.
At KGS Law PLLC, our attorneys offer guidance throughout these difficult cases. If you need help to make a claim, reach out today and schedule a consultation.