Car Accidents

questions & answers

Question: Had a car pulled out in front of me and I hit him broadsided and totaled my motorcycle and have injuries. He was cited and I found out 3 weeks later he has no insurance. What can I do?

Answer: Under Arizona law, when you purchased your motorcycle insurance, the insurance company was legally bound to offer you uninsured motorist coverage.  A.R.S. Section 20-259.01.  It is up to you to decide if you want that coverage.  Most people opt to include it. Check your policy.  If you do have uninsured motorist coverage, you will make your bodily injury claim to your own insurance carrier.  If you do not have uninsured motorist coverage, you must either pay the medical bills on your own or opt to sue the other driver.  However, if that driver does not have insurance, he may also not have any assets.  Also check to see if your policy includes medical payments coverage.  If it does, the policy will pay your accident related medical bills up to the limits of the coverage listed in the policy.