Why Fort Worth Motorcyclists Need Uninsured Motorist Coverage

In Texas, it’s estimated that a whopping 25 percent of drivers are uninsured. If you’re a motorcyclist in the DFW area, this can create serious problems.

I won’t lecture motorcyclists on the dangers of riding – you know the risks as well as the rewards. However, I will say that should you get into an accident with a driver who isn’t insured, it can leave you in a world of trouble.

Uninsured motorists don’t have the assets to cover your medical bills, but someone has to pay for them. The hospital doesn’t care who caused the accident – the bills will be in your name, so it will be your job to pay for them.

Luckily, there’s a way you can protect yourself: Uninsured Motorist Insurance (UM insurance).

As a Fort Worth motorcycle accident lawyer, getting UM insurance is my number one recommendation. Yes, it will add an additional cost to your motorcycle liability policy, but it’s well worth it. This insurance ensures that your medical bills, lost wages and motorcycle repairs will be covered if you’re in a motorcycle crash caused by an uninsured driver.

I’ve handled hundreds of motorcycle wreck cases over the years, not just in the Dallas-Fort Worth area but all across Texas. One thing I’ve learned is that the average motorcycle crash case results in tens of thousands of dollars in medical expenses.

It often starts with an ambulance ride to the hospital, which can range from $800 to $2,000 or more. Depending on your injuries (which may include broken bones, lacerations, brain injury, etc.), your hospital bill could easily be upwards of $10,000. And then, of course, there are all the follow up medical bills afterwards. 

Whether you have health insurance or not, these expenses can pose a substantial economic hardship on you and your family. If you have UM insurance, these bills will be covered. 

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