What can I do if I was injured as a passenger on someone’s motorcycle and have medical bills but no health insurance?

The insurance company says the limit they can pay is $20,000; is that correct?

Asked on July 28, 2014 under Personal Injury, Michigan


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 6 years ago | Contributor

The insurance company only needs to pay up to the policy limits; an insurance policy is a contract, and they are only obligated up to the level they contracted to cover. This is different for every policy; you have to check the policy limits, but this is certainly a plausible limit.

Even if the insurer will not pay more than $20,000, that does not mean that you can't sue the motorcycle driver for any medical bills or other costs you incur that exceed $20,000, or possible for pain and suffering compensation. You would need to file a lawsuit and prove in court that the driver was negligent, or careless, in causing the accident (he's only liable if he was at fault) and the amount or extent of your costs and injuries.

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