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Uninsured motorists pose threat to motorcyclists

As you are likely aware, many of Montana's drivers are either underinsured or simply have no insurance whatsoever. As maddening as this is for responsible motorists who pay their premiums every month, it is nonetheless a fact that must be acknowledged and dealt with. Of course, the most effective way to financially cover yourself and your passengers from being stuck with bills for damages and medical expenses is to add an underinsured/uninsured component to your auto insurance policy.

But as important as this added coverage can be for car and truck drivers, it may be even more critical for motorcyclists. Motorcyclists often enjoy taking long voyages across the state, during which they are liable to cross paths with a high number of uninsured or underinsured drivers. A collision with such a driver could land the motorcyclist in the hospital and leave him or her unable to work for months.

Therefore, it is recommended that motorcyclists consider purchasing what is called 100/300 coverage, which offers protection for the rider and a passenger in the event of an accident. Uninsured motorist coverage will pay for pain and suffering, property damage, medical expenses, and loss of earnings.

Motorcyclists are typically not responsible for causing the accidents they are in, yet they are far more likely to suffer serious injuries in a collision. And while the uninsured/underinsured policy is a smart hedge against catastrophe, it can become complicated when attempting to get the full complement of the benefits to which you are entitled.

A Montana personal injury attorney may be able to help you maximize your settlement. The attorney could assess your policy and work with the insurance company to get you appropriate compensation.

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