Recently, I was retained to represent three people who suffered serious injuries in three different motorcycle accidents in New York. What do all three of my clients have in common?

• All three motorcyclists suffered a serious leg fracture requiring surgery;

• All were injured because someone else was 100% at fault;

• In each of these accidents, the person who was at fault had minimum insurance liability limits of $25,000;

• All three motorcyclists had minimum insurance liability limits of $25,000 without underinsured insurance coverage;

• All three motorcyclists could only collect $25,000;

• All three motorcyclists could have been compensated for their injuries in an amount of several hundred thousand dollars.

I have several tools available in my law practice to uncover all available insurance coverage and assets to compensate my clients. For instance, I use a service which can find additional insurance policies and excess insurance policies (also known as blanket liability insurance). I also use an investigative database which can locate real estate and other assets owned by the person responsible for causing the accident.

When the person who causes the accident has an insurance policy with $100,000 or $300,000 liability limits, there is a good chance that I can find a $1,000,000 blanket liability policy. The problem is that people who have a minimum liability insurance policy almost always have little to no assets and no other insurance policies.