What should I do if I was hit by an uninsured driver while riding my motorcycle?

Insurance Coverage PaperworkThe cost of recovering from a motorcycle crash can be astronomical. If you suffered serious injuries, your medical bills could be in the thousands of dollars. If the driver who hit you did not have insurance, you are probably worried about how you will pay your bills. The good news is, your own motorcycle insurance policy likely has uninsured motorist coverage. Our Indianapolis motorcycle accident attorney team explains what this policy does and why you should not hesitate to file a claim if you have no other source of compensation.

What Is Uninsured Motorist Coverage?

Indiana car and motorcycle insurance policies automatically include coverage for uninsured and underinsured motorists. You can reject this coverage in writing, but most riders do not. Minimum liability limits for these policies are $25,000 per person for bodily injury and $25,000 for property damage. So if you have this policy and you were hit by a driver who had no insurance, your own insurance company then becomes responsible for compensating you for:

  • The loss of your motorcycle
  • Your medical bills
  • Pain and suffering
  • Any lost wages that resulted from the accident

To get this coverage, you will file a claim with your own insurance company.

Do Not Hesitate to File a Claim

Some bikers are hesitant to file a claim against their own insurance company because they are worried about having to file a police report and their premiums going up. Most of these reasons are misguided. Remember, YOU pay your insurance company money to protect you and your bike from uninsured drivers. This piece of your policy is designed to compensate you in these instances. Never think that you shouldn't file an uninsured claim simply because it's your own insurance company. This is faulty thinking that could cost you thousands.

Keller & Keller Can Help You Sort Things Out

If you were injured in a crash with an uninsured driver and your insurance company is pushing back on your uninsured motorist claim, reach out to the Indianapolis office of Keller & Keller. Some insurers do not treat motorcycle riders with the fairness and respect they deserve. We will help you get the money you deserve.


James R. Keller
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Partner at Keller & Keller