Motorcycle Accidents

Motorcycles are looked at uniquely in Michigan when trying to figure out who should pay when you are injured while operating your motorcycle. If you are walking, riding a bike, or in a car and you are seriously injured in the accident, you look to yourself for insurance coverage. If you own a car that is insured on the accident date, your company pays your lost wages, medical bills, and other expenses.

Motorcycles are different. If you are injured while operating a motorcycle, the insurance company of the vehicle that is involved in the accident is responsible for paying your lost wages, medical bills, household services, attendant care, and other expenses. However, your motorcycle must be insured on the accident date. If you are the owner and operator of an uninsured motorcycle and are injured you are not entitled to collect no fault benefits from anyone.

If you are injured and in an accident while on a motorcycle and no motor vehicle is involved in the accident, you are not eligible for no fault benefits and the only way to have your medical bills paid is to make sure your motorcycle policy includes medical coverage or have health insurance that will provide coverage. Motorcycle Insurance companies provide medical coverage for whatever amount you are willing to pay for. Given that motorcycle accident injuries are usually severe, it is a good idea to get at least $50,000 to $100,000 of coverage at a minimum.

As long as you are not the owner and operator of an uninsured motorcycle, you are entitled to receive no fault benefits including lost wages, medical bill payment, household services, and attendant care. As long that the accident involves a motor vehicle.