What will happen if the other driver involved in my accident does not have enough insurance coverage?

If the other driver involved in your accident does not have enough insurance coverage, you may be responsible for covering the damages and any other costs related to the accident. In the District of Columbia, the individual involved in the accident must have a minimum insurance coverage of at least $25,000 per person and $50,000 in total for bodily injury, and $10,000 in property damage coverage. If the other driver was uninsured or had coverage that did not meet the legal requirements, you may have the right to sue the other driver. However, it is important to remember that this may be an expensive process. If you are unable to pay for the damages caused to you or your motorcycle, you can file a claim with your own insurance provider. This is done through uninsured/underinsured motorist coverage (UM/UIM). This coverage will cover any out-of-pocket expenses, such as medical bills, lost wages, and repairs to your motorcycle. It is important to note that each insurance policy is different, so it is best to ask your insurer for more information regarding this coverage. Additionally, if the other driver was negligent and the accident was their fault, you may still be able to recover damages even if their insurance coverage is insufficient. This would require filing a lawsuit against the other driver, which can be expensive and time-consuming. In conclusion, if the other driver involved in your accident does not have enough insurance coverage, you may be responsible for covering the damages and any other costs related to the accident. You may still have the option of filing a claim with your own insurance provider, or a lawsuit against the other driver depending on the circumstances of the accident.

What will happen if the other driver involved in my accident does not have enough insurance coverage?

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