Although I've been driving for almost 40 years, yesterday was the first serious accident I've ever been in with injuries and my first accident driving a motorcycle.
A woman pulled out in front of us making a left turn from a parking lot (a winery ) on the right. Trike is likely totaled. I was taken to the hospital and released, my wife was airflighted to the nearest Level 1 trauma center where she is doing reasonably well (all considered) in the ICU.
(Yes, I know, get a lawyer. But I want to get some idea of what goes on from an insurance standpoint.)
I guessing the airflight and icu is already over $40,000. Add in another week of hospital, probably months of therapy.... I can easily guess the medical bills are going to be north of $100,000. Minimum insurance in this state is $25K and $100k/$300K is fairly common for those who get better insurance. What happens when the losses exceed those limits? Are we left holding the bag?
At this point, I have no information on the other driver yet (State Highway Patrol was there and told me to worry about myself and my wife first.) Maybe she has good insurance, maybe poor, maybe none.
FWIW, my own insurance coverage is $1m liability for bodily injury but only $100K for bodily injury for uninsured motor vehicle coverage.
Again, I'm sure this will probably end with with lawyers but I'd like some ideas to start with. Location is Ohio.
Thanks,
Ken