Unfortunately, many motorists hit the roadways without sufficient automotive insurance coverage, often carrying no insurance at all. Residents involved in a motorcycle crash are encouraged to seek legal guidance from a professional Albuquerque uninsured/underinsured motorcycle accident lawyer to understand their rights.
An experienced motorcycle crash lawyer has the resources and knowledge to investigate the accident, assess insurance coverage limits, and gather sufficient evidence to negotiate a fair settlement. Professional legal counsel proactively estimates a fair financial value for expected future damages, such as physical pain, psychological distress, medical bills, and lost working capacity.
In New Mexico, uninsured/underinsured coverage is mandatory for all motorists, with a minimum coverage of $25,000 per person and $50,000 per accident for bodily injury. However, despite being mandatory, drivers are allowed to reject the coverage in writing with their insurance carrier. Many motorists, sometimes unknowingly, are left without adequate coverage to pay for damages when involved in a motorcycle collision, which is why our Albuquerque attorneys recommend including uninsured/underinsured coverage on your insurance policy.
In the event of a motorcycle accident, Uninsured Motorist (UM) coverage protects policyholders from drivers without sufficient insurance. This add-on component of an automobile insurance policy covers injuries and damage to personal property if the driver without insurance is deemed responsible for the accident.
Insurance carriers automatically combine Underinsured Motorist (UIM) and UM coverage. Many drivers carry insurance but do not have a high enough liability limit to cover the full extent of the damages. Having this coverage ensures a driver has the insurance they need when involved in a motorcycle accident.
Driving without state-required insurance can result in costly fines and penalties. A motorcyclist without insurance can even be found 100% accountable for a life-altering collision. A skilled attorney experienced in dealing with motorcycle accidents will help determine fault and seek compensation for both non-economic and economic damages, such as:
Working with a professional legal team helps accident victims get back on their feet, alleviating unnecessary stress. An experienced lawyer will fight for their client, helping to get the compensation they deserve, even when the other driver has little or no insurance.
Navigating the complexities of insurance coverage is complicated and can prove challenging to conquer on your own, which is why we recommend reaching out to an experienced Albuquerque uninsured/underinsured motorcycle accident lawyer. At Duran & McDonald, we have vast experience getting results for motorcycle accident victims. As trusted members of the local community, we have the confidence and ability to support the legal needs of our neighbors.
Since 2010, we have successfully handled thousands of cases, going to trial when necessary to protect our clients’ long-term interests. We shield motorcyclists from communication that can be overwhelming during recovery and handle every detail of the case to achieve the best possible outcome.
Contact our professional team to schedule a free initial consultation and learn more about the consequences of being involved in a motorcycle accident with an uninsured or underinsured driver.
