If you own a motorcycle or are thinking of purchasing a motorcycle, you may have questions about the differences in insurance coverage between motorcycles and automobiles. While, in many respects, motorcycle insurance is very similar to car insurance, it is very important to understand the differences as well.
Motorcycle Accidents and Medical Bills
Under the Pennsylvania Motor Vehicle Financial Responsibility Law, insurance companies are not required to provide medical benefits to individuals who purchase motorcycle insurance. This is different from car insurance, where insurance companies are required to at least provide a minimum amount of medical-payments coverage to any individual purchasing an insurance policy in Pennsylvania. For riders, this often means that if they are involved in a motorcycle crash, they will have to turn to their own health insurance to receive immediate medical treatment. And, if the rider does not have health insurance, the process can become even more complicated. In addition, the at-fault party’s insurance company will not pay for your medical bills until your claim has been settled completely. Because of this, it is important to hire an experienced motorcycle accident lawyer to assist you in the event you are involved in a motorcycle crash.
Motorcycle Accident and Pain & Suffering
In the event you are injured in a motorcycle accident, you will be entitled to “full tort” status under the law. In Pennsylvania, insurers have the option of providing “limited tort” coverage for automobile policies. These policies do not allow for a person to recover for pain and suffering in the event that they are in an accident unless they suffer a “serious injury” or meet another exception. Fortunately, for bikers, they are not bound by “limited tort,” as it does not apply to motorcycles under the law. Because of this, it important to obtain a motorcycle attorney who can ensure that the insurance company does not pay you less than you deserve for your injury.
These are just some of the differences between the insurance coverage for motorcycles and the coverage for automobiles. Any motorcycle accident is a traumatic experience and it is important to have a motorcycle crash lawyer who is experienced and understands how best to protect your rights and interests and how to maximize your recovery. Contact one of our attorneys today for a free consultation.