Underinsured Motorist Insurance Can Protect Motorcyclists After a Crash

In addition to these minimum requirements, insurance companies do offer other types of coverage. underinsured motorist coverage (UIM) is important to consider. Similar to uninsured motorist coverage, UIM protects the policyholder when he is injured in a crash with a driver whose insurance is not sufficient to cover the damages suffered.
For example, if a motorcyclist’s medical treatment related to the crash totals $200,000, and the at-fault driver only has the state minimum of $25,000 in coverage, the underinsured policy would kick in to cover the gap (or a portion of it, depending on the level of UIM coverage purchased). This can be particularly important for motorcyclists, as they are more likely to suffer a serious injury in a crash, which can lead to high medical bills, significant time away from work, loss of income, and necessary home and vehicle modifications. 

Other Insurance Considerations for SC Motorcyclists

There are also a number of other insurance options that motorcyclists can consider to address a range of damages that can occur in a crash. These include:

Comprehensive and Collision

These coverages provide compensation for the policyholder’s own vehicle if it is damaged in a crash or by some other means such as a theft or weather events.

Custom Equipment 

Custom equipment insurance covers any aftermarket parts installed on the motorcycle.

OEM Endorsement

This type of endorsement requires that if the motorcycle can be repaired, only new parts from the original equipment manufacturer (OEM) be used.

Have You Been Injured In A Myrtle Beach Motorcycle Accident?

If you've been injured in motorcycle accident you need to speak with an experienced motorcycle accident attorney as soon as possible. Please contact us online or call our Myrtle Beach, South Carolina office directly at 843.488.3165 to schedule your consultation. We are also able to meet clients at our Conway, Murrells Inlet, Mt. Pleasant, North Myrtle Beach or North Charleston office locations.

Dirk J. Derrick
Connect with me
South Carolina Lawyer Dirk Derrick helps victims recover from car accidents, personal injury & wrongful death.