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My husband was riding his motorcycle at Angeles Crest. Another motorcycle riding ahead of him struck a car in on coming traffic and caused the car to go out of control. The driver of the car came into on coming traffic and ran over my husband. The driver only has a very limited liability policy. We only had liability on the motorcyle but full coverage on our cars which includes uninsured and underinsured motorist. Since my husbands motorcyle was not the cause of the accident can we file a claim with our auto insurance company against underinsured motorist coverage?

No, it is not likely that you could place a claim against your auto insurance policy for an accident, and the resulting injuries, that occurred while on the motorcycle. The premiums you have paid for your uninsured/underinsured motorist policy have been only for coverage on your cars and not bike.

No coverage from an automobile policy is normally extended to a motorcycle. The general rule is that automobile insurance policies do not apply to motorcycles. Insurance providers' guidelines and terms of policies differ from state to state and insurance company to insurance company. Due to the varying terms and rules of insurance carriers you will need to check with your insurance company to find out if your automobile's uninsured motorist coverage would also extend to you while riding your motorcycle.

We have partnered with industry leaders to help you find the best rate for motorcycle insurance.The easiest way to save on Motorcycle Insurance is to follow this link or call 1-800-936-0356 and speak with our partners at Safeco Insurance.

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This car insurance question was asked on 11/15/2006
This auto insurance answer was last updated on 3/12/2007
Wana requested this car insurance solution.
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