What You Need to Know About Motorcycle Accident Coverage
Understanding motorcycle accident coverage is critical for every rider in Michigan. Unlike cars, motorcycles are not considered motor vehicles under Michigan’s no fault law. This key difference can have a major impact on whether or not you qualify for personal injury protection benefits after a crash.
To receive benefits like medical bill coverage, lost wages, household help, and mileage reimbursement, the accident must involve a motor vehicle. If you are hit by a car while riding a motorcycle, you may qualify for those benefits. But if you crash with another motorcycle or collide with a bicyclist, no benefits apply because no motor vehicle was involved.
Many riders are surprised to learn that their own motorcycle insurance often does not cover their injuries. In most cases, your policy only covers the injuries you cause to someone else. That means even though motorcycle riders face a higher risk of serious injury, they often do not receive the support they need unless they have the right insurance in place before the accident happens.
Personal injury protection benefits are not automatic when it comes to motorcycles. You need the right policy with the right protections or you may be left paying out of pocket for expensive medical care and recovery costs.
If you ride a motorcycle in Michigan, it is essential to understand what is and is not covered. Talk to an experienced attorney to make sure you are fully protected.
