How New York City Motorcycle Hit and Run Victims Can Recover Compensation for Their Injury Costs

Hit and run accidents involving motorcyclists are more common in NYC than one might think. This is common because many people drive without insurance and don’t want to be caught and have their license taken away or worse. If you have been injured by a negligent driver and are unsure where to turn due to limited insurance coverage options, an experienced NYC motorcycle accident lawyer like Mitchell Proner can help advise you and fight insurance companies to help you get back on your feet and out of debt. Call us today at 212-500-1003 for legal assistance on your New York City hit and run motorcycle case.

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The Bias and Insurance Issues That NYC Motorcyclists Face

Motorcyclists have it much harder on the road and in the legal system than other motor vehicle drivers do. This is especially true in New York City, where streets are more dangerous due to congestion, people having more road rage due to traffic, etc. There are also natural biases toward motorcycles as being inherently dangerous to ride. Often, people say that it is a motorcyclist’s fault for choosing to ride an unsafe vehicle in the first place.

More difficult still, due to these biases, New York state insurance also has limited coverage for motorcyclists. In most states, a rider would turn to their personal injury protection insurance (PIP) for a hit and run accident. In New York, however, PIP does not cover motorcycles at all, leaving responsible motorcycle accident victims with limited options.

Options for Motorcycle Hit & Run Victims in New York City

It is also more challenging to file a claim in a hit and run accident because it is more difficult to determine who the liable party was. Without a liable party to sue, most motorcycle hit & run accident victims must turn to insurance for help. Unfortunately, limited insurance coverage options make things more challenging for NYC motorcyclists. Luckily, there are still some options available.

The four other main compensation options available to NYC motorcyclists include:

1. Uninsured Motorist Coverage: This is an option for those who purchase private uninsured motorist coverage ahead of time in case of an accident. Not only will this cover you for hit and runs, but it will also help in situations where the negligent driver is located and found to be uninsured. Make sure that your policy has UM coverage, as it is not required by New York state.
2. Medical Payments Coverage: If you had MedPay coverage, it can help assist with medical bills up to the limits of your policy. The provider often attempt to pay the bare minimum, so it is important to find a lawyer who can make sure the insurance company pays what is fair.
3. Health Insurance Coverage: Although uncommon, if MedPay and UM are either not options or are already used up, sometimes motorcyclists can get coverage through their normal health insurance. Unfortunately, most health insurance companies specifically exclude coverage for motorcycle accident injuries. This means you will probably need a tough lawyer to fight them.
4. Lawsuit Against Liable Driver: Although very rare in hit and run accidents, sometimes victims get lucky and the police are able to locate the negligent driver using evidence such as traffic light cameras or dashboard cams and by looking up the information of the car to find the rider’s location. This is only a viable option if the liable party is insured, however.

Proner & Proner Helps Victims of NYC Motorcycle Hit and Run Accidents Get Needed Financial Coverage

Hit and run motorcyclist victims have it very difficult, especially in the state of New York. Limited insurance coverage and lack of liable parties to sue can make getting the financial compensation you need extremely difficult. Worse still, other insurance options that motorcyclists do have often do everything they can to give the bare minimum or nothing at all. The NYC motorcycle hit and run accident attorneys of Proner & Proner can make sure that insurance companies dish out the financial coverage you deserve so that you can get back on your feet. Call our office at 212-500-1003 or contact us online to get started regarding your New York motorcycle hit and run case today.