Texas Motorcycle Accident Insurance Lawyers
A motorcycle accident can be a traumatic experience. Your motorcycle may be destroyed, and you or a family member may be severely injured or disabled as a result of the crash. The accident may keep you from working and leave you wondering how you will pay for your hospital bills, food, housing and other daily living expenses. The last thing you need to worry about is dealing with insurance companies.
At The Bob Richardson Law Firm, we want you to focus on recovering from your motorcycle wreck. We can work with the insurance companies and make sure the driver who caused your crash is held accountable and that you are fully compensated for your harm.
In fact, we recently won a major case in the Texas Supreme Court, Tanner, et al. v. Nationwide Mutual First Insurance Co., which will preserve the rights of all Texans against vehicle liability insurance companies who try to get out of paying valid claims.
We have more than 30 years of experience in working with insurance companies and securing favorable verdicts and settlements on behalf of motorcycle accident victims in Austin, Waco, Round Rock, Georgetown, Killeen, Temple, Cedar Park, Lakeway, Taylor, Belton and surrounding Texas communities.
To learn about how The Bob Richardson Law Firm can help you with your motorcycle accident insurance issues, call us today toll-free at (800) 880-5100 or use our online contact form. We can provide you with a free case evaluation, and we won’t charge for our legal services unless we are successful in recovering compensation for your injuries.
Texas Motorcycle Accident Insurance Involves Complex Issues
In any Texas motorcycle accident, complex insurance issues will arise. That’s why it’s important to work with a skilled and seasoned motorcycle accident lawyer who understands the interplay between different insurance policies and who will protect you against insurance companies that are more concerned about their revenue than your physical, emotional and financial health.
At The Bob Richardson Law Firm, our Texas motorcycle accident attorneys have experience representing clients in insurance issues involving:
- Liability coverage: Under Texas
law, every vehicle driver – of car and motorcycle
alike – is required to carry liability coverage that
will pay for property damage and bodily injury they
cause in an accident. So, if you are struck by a
negligent motorist, their liability policy should
cover the cost of your motorcycle repair or
replacement, medical bills, funeral costs, lost
wages, pain and suffering and, if warranted,
punitive damages.
The current minimum liability policy limits are $30,000 for bodily injury (one person), $60,000 (two or more persons) and $25,000 (property damage). Most motorcycle accident issues involve the at-fault motorist’s insurance company denying or delaying payment of a claim that was triggered by their own insured’s negligence. - Personal Injury Protection (PIP) coverage: This
is coverage you may have purchased from your own
insurer, and it can cover your losses regardless of
who caused your motorcycle accident. PIP covers your
medical expenses and most of the wages you may lose
while trying to recover from a crash.
Texas insurance companies are not required to offer this coverage to motorcyclists. However, many motorcycle owners will purchase this coverage to protect them in accidents that do not involve another vehicle, such as a wipeout on a slick road.
Even though you have been paying your premiums for this coverage, your insurance company may deny your valid claim, challenge the amount of medical expenses you claim or contest whether your accident has kept you from working. - Uninsured Motorist / Underinsured
Motorist (UM / UIM) coverage: This covers
your medical expenses, lost income, pain and
suffering and repair/replacement loss of your
motorcycle when you are involved in a crash with a
hit-and-run driver, a driver who has no insurance or
a driver who has insurance that won’t adequately
cover your damages.
Numerous drivers on Texas roads lack insurance or carry only the minimum amount needed to get their vehicle registered. Even a minor motorcycle accident can result in damages that exceed most drivers’ liability coverage limits. That’s why UM / UIM coverage is important for motorcycle riders.
As with PIP coverage, a Texas insurance company is not required to offer motorcycle owners UM / UIM coverage. Also, your insurance company may challenge your claim.
We Don’t Back Down From Insurance Companies
Most insurance companies will have an army of attorneys at their disposal to review and contest your claim. However, they will often tell motorcycle accident victims that they don’t need legal representation, and they will try to persuade you to settle quickly and for a dollar amount that may not sufficiently cover your losses.
At The Bob Richardson Law Firm, we know how insurance companies operate, and we know how to navigate the complicated issues involved with insurance policies. We won’t let insurance companies take advantage of your situation, and we will work hard to make sure you are fully compensated for the harm you or a loved one has suffered.
Contact Our Texas Motorcycle Accident Insurance Attorneys Today
Texas has a two-year statute of limitations for personal injury and wrongful death cases. Depending on the parties involved in your motorcycle accident, the deadline for taking action may arrive even sooner. That’s why it’s important to contact a skilled and experienced Texas motorcycle accident attorney immediately after you’ve been involved in a wreck.
If you or a family member has been injured in a motorcycle accident in Austin, Waco or the surrounding Texas communities of Round Rock, Georgetown, Killeen, Temple, Cedar Park, Lakeway, Taylor and Belton, call us today toll-free at (800) 880-5100 or use our online form to learn more about how we can help you. We can provide you with a free case evaluation and answer your questions. We won’t charge you for our services unless we recover for you.
