California Motorcycle Accident Attorney Michael Padway Notes High Rate of Uninsured Motorists Involved in Accidents

Michael Padway, a highly-experienced motorcycle accident attorney in California noted the increase in uninsured and under-insured motorists on America’s roads. In California, according to the Insurance Institute of America, 22% of all motorists are uninsured. Overall their study estimates that 14% of all drivers in the U.S. are uninsured, with the highest uninsured driver estimates coming from Colorado (32%), New Mexico (30%), South Carolina (28%), and Alabama (25%).

“A high number of today’s motorists are uninsured,” stated California Motorcycle Accident Lawyer Michael Padway. “Even if a motorist has insurance, they may be under insured. This occurs when a person who caused an accident has insurance limits that are not high enough to fully compensate for the losses they incurred or caused to another motorist or motorcyclist.”

A University of Michigan study found that the average hospital medical costs of a motorcyclist involved in an accident were $33,000 in 2002. Uninsured Motorcycle Insurance covers the cost of medical care and loss of earnings in the event a motorcyclist is in an accident with an uninsured driver. Uninsured insurance can also cover the repair costs for a motorcycle up to the insured limit in the event of an accident with someone who is not insured.

“Typical insurance coverage provides for only $25,000 in losses,” stated Padway.
“Medical costs for a motorcyclist who is involved in a motorcycle accident can be very high. For example, often with medical costs, loss of earnings, and other factors, the damage incurred to a motorcyclist can exceed $25,000, $50,000 or even $100,000.”

When looking for motorcycle insurance Michael Padway suggest that one should also make sure their medical insurance doesn't have a clause that excludes injuries sustained while riding a motorcycle. Also be aware that some insurance policies have exclusions if you are involved in a ‘speed contest’, like a drag race, or an organized race, which may include ‘track days’.

About Michael Padway

Michael Padway is an experienced motorcycle lawyer specializing in motorcycle accident cases. He has represented hundreds of motorcycle accident victims and works to bring his clients the best settlements possible in a timely and efficient manner. Because Michael is a motorcycle rider himself, he understands the ins and the outs of motorcycle accidents and what is needed to win his cases. Injured motorcycle riders can call Michael Padway & Associates, California motorcycle injury accident attorneys at 415-777-1511, or visit MichaelPadway.com.