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Uninsured Motorcyclist Collects Policy Limits

Uninsured Motorcyclist Collects Policy Limits

Posted By The Dunnion Law Firm || 9-Jan-2013

A 43 year old unemployed "general handyman" was riding his uninsured 1978 Honda motorcycle in a rural area of Fresno County when he encountered a car coming in the opposite direction. Just as they were passing through an intersection the car suddenly without warning turned directly in front of the motorcyclist. The man had ridden motorcycles since his was 14 years old and never even had to lay a bike down. In this instance, being an experienced rider, he remembered veering right and laying the bike down. That was the last thing he remembered prior to waking up in the hospital nine days later. His right arm struck part of the car and was cut so deep it was nearly severed from his body. "The hospital staff told him it was just dangling there." Shortly after leaving the hospital, he was contacted by the car driver’s automobile insurance company. They had run an "index" and new he was uninsured and was a felon. This was true as he did not have a motorcycle license or buy insurance and had previously been convicted of an armed robbery approximately 15 years ago that sent him to prison. While in prison, he allowed his motorcycle insurance coverage to lapse and he never got the proper insurance coverage again even though he continued to ride. The insurance company he had for his car told him they could not help him. He then called the Dunnion Law Firm who noted it would be a difficult situation but would see what could be done to help him. The Dunnion Law Firm attorney argued with the insurance company that even without a license they needed to pay his medical bills. Unfortunately, the defendant had only a $50,000.00 policy of insurance and his bill at the hospital was over $200,000.00. The Dunnion attorney continued to negotiate and was able to put $10,000.00 in his pocket and satisfy the hospital’s lien using only the $50,000.00 tendered by the insurance company. He was not made whole but was satisfied that he got more than expected after his initial discussion with the adverse insurance company.

Categories: Motorcycle Accident