Consult a personal injury attorney to investigate the incident including all the insurance coverages which apply. Best of luck.
Call for a free consultation at 727-937-1400 or visit us on the Web at www.serviceandjustice.com.Ask a similar question
If the 20 year old was living at his parent's house then there is a very good possibility the umbrella coverage would be available. Contact en experienced personal injury attorney in your are to investigate the claim and all coverage issues,Ask a similar question
Sorry to hear of your horrendous injuries, made worse by the irresponsibility of the other motorcyclist not having insurance. The answer to your question will largely depend on the language of the umbrella insurance policy and the insurance laws of New Hampshire. Generally, an umbrella policy requires that any vehicle being sought to come within its coverage has a "primary policy of insurance" in place (typically at least 100,000.00) You don't have that here. Secondly, it is not clear from your post if the other MC was even registered and in whose name. If the MC was not listed under the Umbrella policy along with all other vehicles , that presents another problem. It may not be enought simply to say there is coverage because he lives with the parents. Of course, on the off chance the MC was registered to one of the parents, you will be in better position. You need to consult a personal injury attorney who is also knowledgeable of New Hampshire's insurance laws as the statutes might have a provision that "bootstraps" the uninsured MC into the ambit of the umbrella coverage. One final thought, if it can be determined that the parents actually bought the MC for the son, your attorney might be able to develope a "negligent entrustment" claim against the parents thus giving you another source of compensation.Ask a similar question
I am not at all optimistic that the umbrella coverage would apply unless the motorcycle was specifically included in the umbrella policy. You very well may be limited to the uninsured coverage from your motorcycle. You should consult with an attorney and bring everyone's available insurance policies with you so that the attorney can review them.
DISCLAIMER: This does not constitute legal advice. By providing the requested information you are not entering into an attorney-client relationship with this law firm. Only a written retainer agreement between you and our law firm can create such a relationship. We are only licensed to practice in NH and Massachusetts.Ask a similar question
Hire an experienced local injury attorney right away. Insurance analysis is complex, and a myriad of factors can determine the existence and level of coverage.
An attorney-client relationship is NOT created through the use of this website or by answering this particular post. Each claim is different and must be judged on its own merits. The response herein does not constitute legal advice. The response is in the form of legal education and is intended to provide general information about the matter within the question. Questions may not include significant and important facts that could significantly change the reply. Mr. Price is licensed in MO only and strongly advises the questioner to confer with an attorney in his or her particular state in order to ensure proper advice is received.Ask a similar question
Umbrella's are usually by definition over and above some other required coverage. Failure to carry the underlying coverage could raise defenses or be indicative of an exclusion. You need to consult a local attorney to discuss whether a negligent entrustment claim or some other claim might be viable.Ask a similar question
Without more information, I tend to agree with the responding attorneys' general advice of consulting with a local personal injury attorney and letting him or her review the umbrella policy to determine whether or not your injuries and damages are covered. Best of luck.Ask a similar question
A careful review of the umbrella policy and State law needs to be conducted to answer this question.Ask a similar question
Sign up to receive a 3-part series of useful information and advice about personal injury law.