When a car hits your motorcycle and keeps going, you can still receive compensation for your injuries even if you don’t know who hit you.
When the identity of the car is unknown, you have a different type of claim called an uninsured claim with a different set of rules.
You have uninsured coverage on your motorcycle insurance policy to reimburse you for injuries caused by a hit-and-run accident and other accidents where you cannot get money from the car which caused your accident.
Uninsured coverage is required under New York State law. Your motorcycle insurance policy must have minimum coverage of $25,000. Hopefully, you purchased additional coverage which is available with most insurance companies up to $300,000 and much more with some other insurance companies.
Most motorcyclists have no idea how much uninsured coverage they have but we will find out for you. Many motorcyclists have more coverage than they thought.
When you call your insurance company to report your motorcycle accident, you will speak with an insurance representative who will use a question guideline and has been trained to obtain answers which can be used to deny your claim. It’s best to call us first. Never speak with anyone else’s insurance company.
One of the things your insurance company will look at is how you described your accident. They will try to determine if a car cut off your motorcycle or claim there was no contact between you and the car or truck.
We’re experienced with claims where there is no evidence of contact and have won these cases for our clients even when other lawyers did not want the case. If another attorney said you don’t have a case, call us! Even better, call us immediately after your motorcycle accident before you speak with your insurance company. Call 7 days / 7 nights 1-800-487-8911
We represented a motorcyclist who was on an exit ramp when her motorcycle went into a guard rail. There was no evidence of another car hitting her motorcycle. The police officer wrote on the police accident report that she lost control of her motorcycle and strike a guard rail there was no indication of any other vehicle involved.
Nationwide insurance refused to pay and filed a petition in New York Supreme Court in Suffolk County requesting an order to permanently stop us from continuing with our claim at arbitration. We opposed the petition and won the right to have a hearing in Supreme Court to determine if there was contact between the motorcyclist and another vehicle. At the hearing, the insurance company had the police officer testify that the motorcyclist told him she lost control of her motorcycle on sand. We showed that the police officer appeared to have a problem with motorcyclists and that he screwed up his investigation of the accident. The judge ruled in our favor stating that he did not believe the police officer. Nationwide paid the entire insurance policy to our client.
We also have many other uninsured claims where there was no evidence of contact or a hit and run accident and we were successful in preventing the insurance company from being entitled to a hearing to determine contact which means that the insurance company lost before they even got started.
In the image below, the only evidence of contact with another car which struck a motorcycle in this hit-and-run accident was a tiny streak of blue paint on the motorcycle exhaust. This was enough to successfully make a claim against the motorcyclist’s $300,000 uninsured insurance policy.
Blue paint mark on a motorcycle exhaust proved this accident was a Hit & Run
Even if you have already spoken with your insurance company, call us. Your insurance company will also look for information from many other sources which they can use to deny your claim. For instance, this information can come from hospital records, doctor records, your MV-104 and other sources. We know how to combat evidence against you.
Your insurance company will require you to testify at an Examination Under Oath at which you should absolutely be represented by a lawyer. Your testimony will be compared with the statement you gave by telephone and statements you gave to the hospital and other doctors. Take a look at how we prepare you for your testimony.
We advise that you do not give any statements to your insurance company on the phone or written reports to your insurance company until you speak with us. However, don’t worry if you already did.
In a hit-and-run accident, a police report must have been filed within 24 hours of the accident. However, it’s always best to call the police from the accident scene. Even if you don’t think you’re injured, you may find out later that you have a serious injury.
An uninsured claim for injuries should be filed within 90 days of the date of your motorcycle accident or as soon as reasonably practicable. If you already waited too long, it still may be possible to file a claim. If you haven’t called us immediately after your accident, please don’t delay even one more day. Call us now, 7 days / 7 nights at 1-800-487-8911