There is a common confusion among motorcycle riders that if they are injured in a motorcycle accident, the insurance of the car that is responsible for the accident will be responsible to pay their medical bills. That is not the case. Insurance companies are not required at all to provide the same coverage for medical expenses on motorcycle policies.
What does that mean? If you are injured as a passenger or driver of a motorcycle and you have standard motorcycle insurance, you will have no medical coverage unless your private health insurance carrier pays your bills. This is so important to understand when owning a motorcycle.
It may not make sense that medical expenses associated with a motorcycle accident are not covered by motorcycle insurance, since injuries suffered in motorcycle accidents are often much greater than those suffered in auto accidents. Therefore, even though medical bills can be catastrophic, laws are not written to protect riders the same way they are written to protect drivers or passengers in cars. Riders choose to accept the risk of injury for the love of riding. However, that choice is often based on the general misconception that motorcycle coverage is similar to automobile coverage and as long as insurance is in place, injury to the rider is “covered.” Not true!
An injured rider who paid for motorcycle insurance can end up without appropriate medical care and with enormous debt. In addition, medical bills from a motorcycle collision often eat into and easily exceed the other driver’s insurance limits, leaving minimal or no compensation for a rider even for injuries caused by someone else’s fault.
Some insurance companies now offer Medical Payments Coverage for motorcycle polices, which is insurance that provides some additional medical coverage to injured riders. Without the right protection, on top of injuries, a motorcycle accident could result in enormous financial hardship. Riders should manage that risk by protecting themselves and making informed choices about medical insurance, before an injury occurs.
Feel free to call me for a free insurance review now, before you need it. You can also fax or email me your motorcycle and medical insurance information. There is no charge for the consultation. Please contact me at (732) 388-5454 or 1-800-TEAM-LAW, email me at [email protected], or fill out our contact form.
Andrew S. Prince, Esq.
136 Central Avenue
Clark, NJ 07066
1 (800) 832-6529
(732) 388-8711 — Fax
Additional Offices in New Jersey:
Edison, East Brunswick, Jersey City, Newark, Orange, Perth Amboy, Westfield and West New York