Hog Law Case Results

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Case Study

Outcome: $200,000.00

Type of Accident: Motorcycle Accident

Practice Area: Motorcycle Accident

The Biker's Injuries Included

Fractured fibula
C5-6 and C6-7 disc herniations
Torn right shoulder including a tear of the supraspinatus tendon
SLAP tear of the superior labrum
Plus other permanent injuries.

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Motorcycle Accident: Resulting in multiple injuries.

Description:

The driver of a 2019 Toyota Camry unexpectedly made a left turn violating the right of way of a motorcyclist causing a severe crash. The crash occurred at dawn, in clear and dry conditions. The motorcycle was totaled. The driver of the car was charged with "Failed To Yield Right of Way" and the motorcyclist was transported from the scene by ambulance to the hospital where he was initially diagnosed with a fractured fibula. In the months following, the motorcyclist was also diagnosed with additional injuries including C5-6 and C6-7 disc herniations, a torn right shoulder including a tear of the supraspinatus tendon and a SLAP tear of the superior labrum, plus other permanent injuries. The at fault driver had limited insurance coverage of only $50,000.00. The motorcyclist had a motorcycle insurance agreement having no Medical Payments coverage or Uninsured Motorist coverage. By further investigation, the motorcyclist had an automobile insurance agreement insuring three cars, having Uninsured/Underinsured motorist ("UM") coverage – Stacked of $50,000.00; and by having three vehicles, he had total UM coverage of $150,000.00. Comprehensive pre-suit demands were submitted to both insurance companies resulting in a total settlement of $200,000.00.

This case illustrates:

The importance of having "STACKED" UM coverage in your automobile policy as such coverage may cover your losses even when riding your motorcycle.
To protect yourself and your family, it is important to have stacked UM coverage (the highest limits you can afford) in your motorcycle automobile insurance agreement(s);