What can I do if I was injured as a passenger on someone’s motorcycle and have medical bills but no health insurance?
Get Legal Help Today
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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
Answers:
SJZ, Member, New York Bar / FreeAdvice Contributing Attorney
Answered 9 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.
IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.