Automobile and Motorcycle Insurance Tips

Robert J. Hauer Jr - SiebenCarey "Know Your Rights" AttorneySeptember 02, 2016

Automobile and Motorcycle Insurance Tips:

Liability coverage protects you if you (or another person driving your car with your permission) injure or kill someone or damage property. You should carry as much liability coverage as you can comfortably afford because damage claims today are sometimes settled for millions. State minimums don't come close to covering the cost of a serious accident.

AUTOMOBILES

During our representation of clients seriously injured in automobile accidents a troubling pattern has emerged.  More and more accidents have at-fault drivers with low limits of liability coverage.  Part of this trend is caused by individuals buying automobile insurance online without consulting an agent or listening to a television spokesman who sells price instead of protection.  In order to better protect you and your family we recommend you carry the following coverages on your family automobile(s):

  • $250,000/500,000 liability;
  • $250,000/500,000 uninsured motorist coverage; and
  • $250,000/500,000 underinsured motorist coverage. 


On average, the additional annual cost per car to increase your policy to those limits is $50-80.  By making these changes you set a floor of $250,000 to compensate you for serious injuries you could sustain in an automobile crash.

MOTORCYCLES

Unlike the automobile policy, uninsured and underinsured motorist coverages are not required for motorcycles.  You have to request your insurance agent to add those coverages to your policy.  Following a Supreme Court decision in December of 1989 that allowed a motorcycle driver to access the uninsured motorist coverage on his personal automobile, the 1990 Legislature amended the law to provide the ONLY uninsured or underinsured motorist coverages available to the owner of a motorcycle is the coverages purchased for that motorcycle; the owner could not access their personal automobile insurance.  There is a way to avoid this statute; transfer the title of the motorcycle to a spouse/family member.  This allows the uninsured/underinsured motorist coverages on the family automobile to become available to the primary driver of the motorcycle.

As always, we welcome your questions.  You can call a car accident or motorcycle accident attorney at SiebenCarey at 612-333-4500.

Client Reviews

out of 181 reviews
Jesse Bukal

In need of a personal injury attorney? Well you're if you're reading this you're in the right place. You'd be hard pressed to find more competent attorneys than the ones here at SiebenCarey.

They took my case to trial and an amazing job presenting the facts and fighting for my best interests! Three years ago I was unsure of what my future would bring; now that it's over I can rest a bit easier. With SiebenCarey as my counsel, I believe I had the absolute BEST representation a person could've asked for. I knew that I wanted the absolute best representation when searching for an attorney to handle my case and I most definitely received it.

If you need a personal injury attorney, look no further. Can't recommend highly enough.

Daunne Schaller

I was seriously injured in a car accident on my wedding night and went to SiebenCarey. Being involved in an accident is never fun. The folks at SiebenCarey got us thru the event helping us get on with our lives. They were up front and honest. We knew we could trust them. It’s clear to me why Art has been recognized as a Best Lawyer in America and Super Lawyer for 12 years running. Now anytime I know someone who was involved in an accident I refer them to SiebenCarey.

Jennifer G.

Danielle Bird was very professional and worked hard to make sure I was compensated fairly for my injury. My case was difficult to prove, but she continued to move forward and supported me through the process. I would highly recommend her for Workers' Compensation claims.

Jeanne Tondryk

Eric W. Beyer helped me through a very difficult time and his professionalism, advice and results from an injury were highly respected. Amidst the personal part of getting myself back to health, his guidance when life was blurry was so appreciated. He listened and then put forth my options honestly and directly which I totally appreciated!

 Was totally satisfied with his hard work and dedication to help me. I'd highly recommend him. Thank you Eric!

Deb Colombe

I was involved in a car accident that was complicated at best. God blessed with me Eric Beyer as my attorney. Although it was a long drawn out process between the two insurance companies, Eric was not only my attorney, he was my rock.

Eric is one of the most ethical people I have ever met in my lifetime. He was a constant source of not only information, but of comfort throughout the whole process. I never doubted for one moment that Eric did not have my best interest at heart. He took every word I said seriously and did what he had to do. If I ever have the misfortune of another injury like this, I would go to no one other than Eric Beyer. I will never in my lifetime be able to thank Eric enough or let him know how much I respect him and what a comfort he was and has continued to be for me. God Bless you Eric Beyer.

Chris and Amy Boys

We worked with Art and his team on a personal injury case. We could not have been more pleased with the result. Art and his team were both professional and personable, and were a pleasure to work with. I would highly recommend Art and his team if you find yourself in this type of situation.

Sean Beggs

I was referred to SiebenCarey by a friend after I was involved in a bicycle accident. Jim Carey represented me and throughout the process I was never anxious about the case because he and his team were in constant communication. I knew where we stood and the course of action we were taking which gave me peace of mind throughout my recovery. Everyone I encountered at SiebenCarey from the first phone call until the final resolution treated my case as if it were top priority and they did so respectfully, professionally, and achieved results beyond my expectations. It was a pleasurable experience during a difficult time.

Rachel Daniel

We had a great experience with Jeff Sieben, thank you!

Richard Johnson

Excellent. Eric Beyer is an excellent attorney. I would recommend him to anyone, and I have.

Christine Butina

Jim Carey and his staff were excellent at their jobs. They were very understanding and were always available if you had questions on something with my case. They treated you as if you were their only client that they had. I would definitely recommend sending anyone to SiebenCarey because they really do care about you.

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