Underinsured Calculator – Tells You How Much You Need To Protect Yourself

This underinsured calculator instantly gives you the amount of uninsured and underinsured insurance coverage you need and the amount you may really want to receive after legal fees. (We’re motorcycle accident lawyers in New York — we created the calculator but we do not sell insurance.)

We created the underinsured calculator because most of our motorcycle accident clients did not have underinsured coverage when they needed it.

Basically, uninsured coverage on your insurance policy pays you when you are injured by someone else’s negligence and there is no insurance for the other vehicle to pay you, ie. hit-and-run, no insurance, or stolen car. Underinsured pays you when the other vehicle doesn’t have enough coverage (like a $25,000 policy) to compensate you for your injury.

See our complete guide to underinsured insurance coverage.

Tips When Using the Underinsured Calculator

  1. Uninsured and underinsured insurance coverages are sold by insurance companies in one “bundle”. If you get one, you get the other, so we’ll just call it underinsured.
  2. When buying motorcycle insurance, only look at the lowest underinsured policy limit, ie. $100,000/300,000. The lower amount is the limit one person injured on a motorcycle can get. This calculator will give you the lower amount.
  3. Underinsured insurance coverage is used far more often with motorcycle accidents than car accidents. Why? 1) You’re more likely to be seriously injured by a car with too little insurance, 2) You’re more likely to be hit by a car that doesn’t stop. If you ride, you need it!
  4. Injuries in many motorcycle accidents, like a broken ankle, will keep you out of work for 4-6 months.
  5. In New York, motorcycles don’t get no-fault. You can’t get lost wages and your health insurance could put a lien on your case for the medical bills, usually $35,000-$50,000!
  6. Injuries in most motorcycle accidents are worth from $250,000 to millions of dollars. We got $465,000 for a torn meniscus in a knee.
Uninsured/Underinsured
Calculator
Find out how much you need!
From New York's Motorcycle Attorneys at 1-800-HURT-911®
be aware motorcycles are everywhere®
Choose the # of months you want to protect yourself to pay living expenses if you are unable to work for 4-12 months
Enter the amount you pay for:
One month rent or mortgage
One month utilities including oil, gas & electric
One month TV
One month all phones
One month for all car and motorcycle bank payments
6 months car insurance
One month gas for your cars
One month food, supplies and personal care items
One month child care or child support
One month health insurance and any other insurance
One month for other loan payments
One month for all other payments
One month for general maintenance (i.e. lawn mowing)
Amount you need for hospital and medical payments if you don’t have health insurance or will lose it if you can’t work
Amount you want for your pain & suffering (How much is an injury worth? Ex. A broken ankle can be worth $250,000 to $1,500,000 depending on extent of injury and negligence. We got $465,000 for a torn meniscus in a knee.)
Total amount of living expenses for one month
$0.0
Total amount of living expenses for the number of months you may be unable to work
$0.0
Total amount of living expenses plus estimated medical billls
$0.0
Minimum amount of Uninsured/Underinsured coverage you NEED to buy (includes 1/3 personal injury legal fee)
$0.0
Amount of Uninsured/Underinsured coverage you WANT to buy (includes 1/3 personal injury legal fee)
$0.0
Find a list of insurance companies selling the amount you want: CagerProtectection.com

You don’t want to lose out on $500,000 underinsured coverage when this guy breaks your ankle and you can’t work for 6 months!

This driver looking at cell phone has only $25,000 insurance. That's why you need to use the underinsured calculator!

See a list of motorcycle insurance companies in New York and the maximum underinsured coverage limits each sells.

Related Articles

Motorcycle Insurance Guide

Tips for buying motorcycle insurance

If you’re involved in a motorcycle accident in New York, even if another lawyer doesn’t think you have a case, call us immediately for a free consultation.  We care about motorcyclists!

comments button

1-800-HURT-911\u00ae As Seen On TV ABC, CBS, NBC, FOX, , WOR, WPIX logos

Get Motorcycle Lawyers Rob Plevy, Esq. and Phil Franckel, Esq. at the HURT911® Personal Injury Dream Team™ on your side and become a member of our family!

“I endorse these guys 100% they handled my [motorcycle] accident very well! And they are genuine human beings.”
—Frank Sundancer Perugi

Please take a look at some of our:

We created the popular motorcycle awareness campaign you know and have seen!

No Win — No Fee — No Expenses — Guaranteed!

At HURT911® you can speak, text, or email Rob Plevy, Esq. and Phil Franckel, Esq. whenever you need throughout your case and afterward, days/nights/weekends.

Call days/nights/weekends for a free consultation with no obligation.
Call right now! 1-800-HURT-911 | 1-800-487-8911

Motorcycle Attorney Phil Franckel talks about how motorcycle accidents are different


Philip L. Franckel, Esq. is one of the Personal Injury Dream Team™ Founding Partners at 1-800-HURT-911® New York; He has a 10 Avvo rating; Avvo Client’s Choice with all 5-star reviews; Avvo Top Contributor; and a former Member of the Board of Directors of the New York State Trial Lawyers Association. Mr. Franckel is well-known in New York for representing motorcyclists and created the motorcycle awareness campaign BE AWARE MOTORCYCLES ARE EVERYWHERE®.

Partner Rob Plevy, Esq.

Motorcycle Injury Attorney Rob Plevy, Esq.

Partner Rob Plevy, Esq.


Robert Plevy, Esq. is one of the Personal Injury Dream Team™ Founding Partners at 1-800-HURT-911® New York. Robert began his legal career in 1993 as an Assistant Corporation Counsel defending The City of New York against personal injury lawsuits.

Get the HURT911® Personal Injury Dream Team™ on your side!
Call Attorneys Rob Plevy & Phil Franckel days/nights/weekends for a free consultation
1-800-HURT-911

1-800-487-8911