Motorcycle Crashes and UM/UIM: Why ‘Full Coverage’ Still Leaves Gaps

Riders are often told they purchased ‘full coverage,’ then discover after a crash that the at-fault driver’s policy is tiny and their own UM/UIM selections were minimal—or excluded in ways they did not understand.

Stacking rules, household vehicles, and rejection forms can change outcomes dramatically. These issues are policy-specific and fact-specific; there is no one-size answer from a blog post.

If you were injured, preserve your policy declarations, renewal documents, and any UM/UIM selection forms. Early review with counsel can prevent avoidable assumptions about what is in play.