There is 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 true. New Jersey car insurance companies are required by law to include minimum coverage for medical expenses associated with an auto accident in every policy they sell (this insurance is known as Personal Injury Protection or PIP). Insurance companies are not required to provide the same coverage for medical expenses on motorcycle policies.
What does that mean? If you are injured as a 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.
Even though medical bills can be catastrophic, laws are not written to protect bikers the same way they are written to protect drivers in cars.
Most bikers are not aware that most motorcycle policies expose riders to various risks over and above the risk of injury. An injured biker 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 can 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 optional minimal Medical Payments Coverage (up to $25,000.00) for motorcycle policies, which is additional coverage that provides some medical coverage to injured bikers. Bikers should also check the amount of coverage available to them for collisions involving drivers without insurance or without enough insurance (known as underinsured motorist/uninsured motorist or UIM/UM coverage). In some instances, UIM/UM coverage can mean the difference between an accident and a tragedy.
Without the right protection, on top of physical impairment, a motorcycle accident could result in enormous financial hardship. Bikers should manage that risk by protecting themselves and making informed choices about insurance, before an injury occurs. Feel free to call for a free insurance review, now before you need it.
Do not let someone else’s mistake become your nightmare. Need advice? Call me before it is too late. It is always a free consultation. I will review your insurance coverage for free. It is my pleasure to do so. For more motorcycle insurance information, call me at 1-(800)-TEAM-LAW, or visit MotorcycleinjuryNJ.com and 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