||Why do you need a Lawyer?
|You will not get what you are entitled to
from the insurance
companies unless you retain a competent California Motorcycle
Accident Lawyer and Attorney to handle your case. Don't find out
the hard way.
|Get Medical Treatment
If you have been injured in a California motorcycle accident or other type
of motor vehicle accident, we can get you medical treatment even
if you do not have medical insurance!
There is no need to suffer anymore.
||Call 24 Hours Per Day!
|You may call us 7 days a week, 24 hours a day if you
have been injured in a California motorcycle accident! We
will tell you over the
phone if you have a good case. If you are injured and cannot
travel, we can come to you in most cases!
Don't be a Fool!
If you think that insurance companies are going to tell you what
you are legally entitled to in a motorcycle accident case; think again!
Read about California Motorcycle Accidents here.
California Counties and Cities!
We handle motorcycle accident cases all over the State of California. Here
are some California counties and cities where we handle
personal injury cases!
If you are in California and your city is not listed, we
can still handle your case.
The law offices of Norman
Gregory Fernandez, personal injury lawyer, workers compensation lawyer,
auto accidents, slip and fall, trip and fall, premises liability,
attorney, how to beat a speeding ticket, legal books online, insurance
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Fernandez, broken bones, dog bites, animal attacks, construction
accidents, workman's compensation, job related accidents, work injuries.
General Information about Insurance
Motorcycle, Car, and other
California Minimum Insurance Requirements
Types of Insurance Coverage's
and Collision Coverage (Comp/Coll.)
Motorist Coverage/Bodily Injury (UM/BI)
Uninsured Motorist Coverage/Property Damage (UM/PD)
Payment Insurance (Med Pay)
Disability Insurance, Other Disability Insurance
below information relating to motorcycle and other motor vehicle
accidents is hereby provided being by The Law Offices of Norman
Gregory Fernandez & Associates as a courtesy to visitors
of our webpage. The herein information is provided as
educational material only, and is not meant as legal advice. If
you desire legal advice on your legal matter, you may call us
for free legal consultation.
have already been in an motorcycle or other type of motor vehicle
accident in the State of California, we highly recommend that
you stop reading right now, and call our law firm for a free
telephone consultation at (800) 816-1529, Ext. 1. We will tell
you over the telephone if we think that you have a case and
whether we can help you.
believe we can help you, and you decide to retain us, we can
then send our investigator to you with all of the legal forms
necessary for you to retain our law firm.
do not have medical insurance or a medical provider, we can
immediately refer you to an appropriate doctor near you for
medical treatment. (Yes, even if you do not have medical
this can all be accomplished with one phone call to our law
firm. We try to make the process as simple as possible for you.
more information on how we handle your case, go to our
INSTRUCTIONS TO CLIENTS
SECTION BY CLICKING HERE NOW.
California Minimum Insurance Requirements
California State Law, (Proposition 213) you must have minimum
liability insurance coverage of $10,000 Property Damage, $15,000
bodily injury per person, and $30,000 per incident while you are
driving on California Roads.
If you do not have
minimum liability insurance coverage, you will NOT BE
ENTITLED TO GENERAL DAMAGES (pain & suffering, emotional
distress, loss of enjoyment of life, etc.), and you may lose your
drivers license, and a fine. Even if the
accident was not your fault!
Most personal injury
attorneys will not represent you on a contingency basis unless
you had liability insurance at the time of accident, because the
value of your case is limited to out of pocket losses only such
as: Property Damage, Medical Expenses, Medication Expenses, Loss
of Wages, etc.
Types of Insurance
There are many
options when it comes to purchasing automobile, motorcycle, and
other motor vehicle insurance. Like the old saying goes, you
usually get what you pay for. This section is not meant to be a
treatise on auto or other motor vehicle insurance coverage.
However, we will generally discuss the different types of motor
vehicle insurance coverage.
Insurance Coverage: As discussed above, this
coverage is required by law. This insurance coverage will
cover you for any losses that you may have caused to others,
up to the dollar amount of your insurance coverage, for any
accident that is your fault. Some policies cover you for any
car or motorcycle that you drive, including rental cars, and some policies
only cover you for a specific car or motorcycle. Make sure you check with
your insurance company as to any limitations on your
coverage, and actually read the policy to confirm what you
are told. We recommend that you obtain as much liability
insurance coverage as possible because in the modern era,
motorcycle, cars and medical expenses have become outrageously
expensive. A simple motorcycle accident could have
$20,000.00 in property damage, and $100,000.00 or more in medical
expenses. If you only carry the minimum insurance coverage
allowed by law, you could be on the hook for the balance of
any damage that you cause. Some liability coverage's also
exclude members of your household or immediate family
members who live with you from "suing you" the driver and/or
recovering from your liability policy even if the accident
is your fault. We again recommend that you check with your
insurance company. You want to make sure that your coverage
includes your passengers and family members that may be
injured in a motorcycle accident.
and Collision Coverage (Comp/Coll): This type of coverage will cover
the damage to your motorcycle if you are in an accident that is
your fault up to the "Fair Market Value," of your vehicle.
It will also cover your vehicle up to Fair Market Value if
it is stolen. Some Comprehensive and Collision coverage's will cover
damage to your motorcycle even if the accident was not your fault.
Check with your insurance company as discussed above. If the
cost of repairing your vehicle exceeds the Fair Markey Value
of your vehicle, than the insurance company will consider
your motorcycle to be a "total loss," and only pay you Fair Market
Value for your care. Now
what is Fair Market Value? Fair Market Value is the amount
of money that your vehicle is actually worth on the street.
Many people confuse this issue. You may have paid $20,000.00
for your motorcycle, and you may owe $15,000.00 on you
however, once you drive the motorcycle or vehicle off of the
dealers lot, it automatically decreases in value. Although
you have paid the above amount for your motorcycle, and you may owe
the above amount for your motorcycle, the Fair Market Value of you
motorcycle may only be $10,000.00! Insurance companies value your
motorcycle on many factors which include but are not limited too:
Year, Make, Model, Mileage, Condition, What identical or
similar motorcycles are selling for in your area, etc. Many times
people find out the hard way when their motorcycle is totaled or
the repair cost exceed the Fair Market Value of the
that the amount you receive from the insurance company is
way below the amount owed on the motorcycle. In today's market
where new motorcycle average $19,000.00 or more this situation is not
uncommon, especially when the cost of repairing simple
fender and paint damage may exceed $5,000.00. We recommend that you
always purchase Comprehensive and Collision Insurance.
Without this type of coverage, you will get nothing for your
property damage if the accident is your fault, and/or you
will be at the mercy of the other drivers insurance company
if you are not at fault. Check with your insurance company
and read your policy for any limitations of coverage.
Comprehensive and Collision insurance
(discussed above) ordinarily only covers the "stock" fair
market value of your vehicle. A Stock vehicle is a vehicle
that has not been modified or accessorized. Most motorcycle
owners tend to add chrome, custom paint, custom engine work,
custom pipes, custom grips, etc. If you want these items to
be covered by your insurance company in case of a motorcycle
accident you must ensure that you add accessory coverage to
your policy, otherwise you will only be covered for the
stock fair market value of your motorcycle or other motor
vehicle in case of an accident. Some motorcycle insurance
companies automatically provide $1,000.00 in accessory
coverage and some don't. We highly recommend that you add up
the cost of all of the add-on's and accessories to your
motorcycle, and buy enough accessory coverage to cover the
cost of replacing the custom parts. In the motorcycle world,
add-ons and accessories sometimes equal or exceed the entire
cost of the stock motorcycle. Make sure you take pictures of
your motorcycle after the customization, and keep receipts
for all add-on's and accessories that you have put onto the
motorcycle just in case of an accident. You will need to be
able to justify the add-on and accessory cost to the
insurance company in case of a claim.
Insurance Coverage: This type of Insurance policy
covers the difference between the Fair Market Value of your
motorcycle, as discussed in the Comprehensive and Collision
section above, and what you actually owe on the motorcycle. When
you purchase a new or used motorcycle on credit from a dealer,
more often than not you are required to not only purchase
Comprehensive and Collision insurance, but you are also
required to purchase GAP insurance so that the finance
company knows that will be paid in full if the motorcycle is
totaled. Regardless of whether it is required or not, we
always recommend purchasing GAP Insurance coverage if you
owe a third party money for a motorcycle. As discussed above in the
Comprehensive and Collision Section, you do not want to get
stuck paying thousand's of dollars on a motorcycle loan after
an accident, when your motorcycle has been declared a total loss
after an accident. We cannot tell you how many times victims
of accidents find out the hard way that their insurance
company will not pay enough money on a property damage
claim, to cover what is owed on the motorcycle. Nobody wants to
get stuck for thousands of dollars in payments on a
they no longer own. We recommend getting GAP Insurance on
your motorcycle if you owe money on the motorcycle.
Coverage: This type of insurance coverage will cover
you for the difference between your actual damages, and the
at fault persons insurance coverage. In other words, let say
you are hit by a person who has minimum insurance coverage,
(10k/15k/30k) who is at fault in the accident. Under normal
circumstances the most you will be able to recover from
their insurance company is for your injuries, and out of
pocket loss, etc., is $15,000.00. Let's say your actual
medical bills and out of pocket loss is $100,000.00. What
are you going to do? If the person who hit's you does not
have any assets there is little chance that you will ever
collect the $95,000.00 difference from them if you sue to
get a judgment. If you do get a judgment, they could declare
bankruptcy and discharge the debt they owe to you in it's
entirety. We find that in many instances, an at fault
persons coverage is not enough to cover our client's actual
damages and they get stuck in the catch 22 situation
discussed above. We believe that it is always better to
error on the side of caution. We always recommend purchasing
Under Insured Coverage for a minimum of $500,000.00 or more.
The more the better. This is your way of insuring yourself,
against an at fault persons deficient coverage.
Motorist Coverage/Bodily Injury (UM/BI): The name
speaks for itself. This type of insurance coverage will
cover you for your "non-property" related damages if the
other motorist who is "at fault," has no liability
insurance. In the State of California we feel that this type
of coverage is mandatory due to the vast amount of people
driving around illegally without insurance. This coverage
will also cover hit and runs. We recommend purchasing the
most UM/BI coverage you can afford and at least a minimum of
$500,000.00. If you are in an accident and the other
motorist is uninsured, this coverage will be your only
recourse in many instances. Do not drive in California
without some kind of UM/BI coverage.
Motorist Coverage/Property Damage (UM/PD): This is
the same as UM/BI discussed above except this insurance will
cover you for the Property Damage to your motorcycle if you are
hit by an "at fault" or "hit and run" driver. As discussed
above, some Comp/Collision insurance policies will cover you
if your vehicle is damaged or totaled by an at fault
uninsured motorist, but some will not! We always recommend
to error on the side of caution and purchase insurance to
cover you in this instance. We have seen many accident
victims lose their vehicles in accidents due to the fault of
hit and run or uninsured motorist, and get stuck with no
vehicle and massive vehicle payments because they did not
have the proper insurance. We always recommend that you
insure your body and your property against the uninsured
motorist, and hit and run driver. Just like Comprehensive
and Collision mentioned above, this coverage will on cover
your vehicle up to the fair market value of your vehicle.
Even if you may have paid and/or owe $30,000.00 on your
vehicle, and your buy $30,000.00 UM/PD coverage on your
motorcycle, the insurance companies will only cover you for the
Fair Market Value of your vehicle only with this coverage.
Coverage: This type of coverage will pay you a
certain amount of money per day to procure a rental car in
case you are in a motorcycle accident. Check with your insurance
company to ensure that you will be covered both when you are
at fault, or the other person is at fault. Sometimes
insurance companies will require you to pay for a rental car
out of your own pocket and then submit bills to them for
reimbursement. Most of the time this type of coverage only
pays $20.00 to $30.00 per day up to a dollar maximum, or for
a maximum of 30 days. In many instances, the cost of getting
a rental car and insuring the rental car against loss, will
exceed your rental car coverage policy. However, we always
recommend buying rental car coverage in your insurance
policy. We cannot tell you how many times we are faced with
client's who were not at fault in an accident, and they have
lost their only transportation. If the at fault motorist's
insurance does not immediately cover you for rental car
payments, you will be stuck paying the entire amount on your
own until either your vehicle is repaired, or you procure
another vehicle. We know this is not fair. This is why we
always recommend getting Rental Car Insurance Coverage.
Payment Insurance (Med Pay): This type of insurance
pays for your medical bills if you are in an Motorcycle Accident.
Many people already have Normal Medical or Health Insurance.
However, often times there are co-payments that have to be
met, and/or deductibles, as well as medication cost that
your medical insurance will not cover. It is important to
get as much Med Pay insurance as possible. When you are
injured in an motorcycle accident, often times Med Pay is the
first payment your insurance company will make to you.
Usually they will automatically pay this amount when
presented with medical bills. We recommend getting this
Deductibles: Most Comprehensive/Collision, and
Uninsured Motorist coverage's have deductibles, meaning that
you have to pay the first $500.00, $1,000.00 to $2,000.00 of
any damages on these types of claims and your insurance will
cover the difference. You can even pay for zero deductible
insurance coverage. The bottom line here is let's say you
have a minor incident with $900.00 property damage with a
$1,000.00 deductible, and you have Comp/Collision coverage.
You insurance company will accept the claim, but since you
have a $1,000.00 deductible, you will get no money because
you have to pay the first $1,000.00 since that is your
deductible. The issue of deductibles is one of personal
choice. Usually your premiums are lower with a higher
deductible, but then again, you will have to pay a higher
price or receive a lower settlement if you have a higher
deductible. If you can afford it, we recommend getting a low
deductible. We have seen clients who opted for high
deductibles, lose their jobs, and than have a motorcycle accident. They
were not able to get their vehicles out of the
shop until they covered the deductible. You get the picture,
the whole purpose of insurance is to protect yourself in
case of lose. It may be better to pay a bit more for a lower
deductible when you have a job and money, then risk not
being able to cover the deductible in bad times.
Disability Insurance, Other Disability Insurance: If
you are injured after a motorcycle or motor vehicle accident, you
will most likely be out of work for some time. Personal
Injury cases are not settled overnight especially if
litigation is necessary. Cases can sometimes take 1 to 2
years or more to resolve. If you are placed in an off work
status by your doctor, we highly recommend that you apply
for California State Disability Insurance (SDI). (You must
be eligible) SDI will not cover the entire amount of your
lost wages, but it is better than receiving nothing if you
cannot work. You are eligible to apply for SDI after two
weeks of being disabled, and your doctor will need to fill
out the necessary forms to provide to the State. You may
also be entitled to sick pay and/or accrued vacation pay
from your employer. We recommend contacting your employer if
you can to provide them with your off work order from the
doctor, and request your accrued vacation pay and sick pay
to give you money in the interim while you are waiting for
SDI to start paying. There are many private insurance
options that will cover your entire salary if you become
disabled as well. We highly recommend insuring yourself
against becoming disabled due to vehicle accidents, but also
illness. If you employer terminates you because you cannot
work, and you are not eligible for SDI you may be able to
recover unemployment insurance benefits from the State,
however these benefits are usually lower than SDI. Do
whatever you can to bring money in while you are waiting for
your case to be prosecuted, and/or you can go back to work.
A comparison of
If you want to find
out more about how we handle motorcycle and other personal
injury cases, and the process involved, check out the
For a free telephone
consultation call us now at (800) 816-1529, Ext. 1.
The Law Offices of
Norman Gregory Fernandez
California Motorcycle Accident Hotline
We Handle Motorcycle Accident Cases all
over the State of California
Submit Your Case Online for a
We have convenient
in Chatsworth, Norwalk, Palmdale, Woodland Hills, Van Nuys, and San Francisco, California.
We will come to you if you cannot come to us!
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