Liability coverage
The at-fault driver's liability insurance may be one source of recovery. Policy limits do not determine the underlying value of an injury claim, and the existence and amount of coverage should be verified.
Austin Metro · Motorcycle accident resource
Motorcycle Accident Insurance and UM/UIM in the Austin Metro Area
A motorcycle injury claim can have significant value while practical recovery depends on available coverage. In Austin Metro crashes, liability coverage, the rider's own motorcycle policy, UM/UIM, household or employer coverage, and other policy-specific issues may all require review.
UM/UIM coverage
Uninsured and underinsured motorist coverage may become relevant when the responsible driver lacks sufficient insurance, subject to the policy, applicable law, and claim-specific requirements.
Multiple possible policies
Depending on the facts, other policies may exist through household coverage, an employer, a commercial vehicle, or another responsible party. No additional policy should be assumed without verification.
Documents worth collecting
Keep declarations pages, insurance cards, coverage letters, denials, reservation-of-rights correspondence, claim numbers, adjuster contact information, and any written statement about limits.
Claim value vs. practical recovery
The value of reported injuries and losses is conceptually separate from the amount that may actually be collectible from available insurance or other sources.
When coverage is unclear
If you do not know the other driver's limits or your own UM/UIM status, preserve the policy information you have and avoid treating an online estimate as a coverage determination.
More Austin Metro motorcycle resources
This tool produces a preliminary, non-binding estimate based on the information you provide and general personal-injury valuation methods. It is not legal advice, not a guarantee of any outcome, and not a substitute for review by a licensed attorney. Actual settlements and verdicts vary widely based on evidence, jurisdiction, insurance coverage, and many other factors. Texas Settlement Calculator is not a law firm and does not practice law; use of this tool does not create an attorney-client relationship.