A motorcycle accident can change your life. Because you are not protected by the metal frame of a car, you are more likely to be severely injured in a bike crash than an automobile accident. You need to know how your insurance will cover you in the event of an accident.
Michigan requires every motorcycle to be covered by insurance. But compared to the no-fault insurance required for cars, your motorcycle insurance may not work the way you expect. Under a no-fault policy, the injured person can collect medical expenses no matter who is at fault. But the mandatory motorcycle insurance is an at-fault policy.
At Fault Motorcycle Accidents
Under an at-fault policy, if you cause your motorcycle accident, even because of an environmental factor, you could be stuck without help paying your medical bills. Even if the crash isn’t your fault and you are entitled to benefits, your at fault policy will have a limit. If you are catastrophically injured, your bills could quickly exceed your policy limit.
No Fault Motorcycle Insurance
You may not be required to pay the extra premium for no-fault insurance, but if you are worried about a severe accident, it may be worth the money. Michigan’s no fault insurance is the best in the nation, and makes sure you will be covered if you are ever in a motorcycle accident. The no fault auto insurance system will also cover the injuries of any other motorists involved in your accident. This can help limit your liability if you lose control of your motorcycle and cause a crash.
Recovering From Motorcycle Accidents
After a motorcycle accident, you could face serious injuries, lengthy recoveries, and mountains of insurance paperwork. To get the benefits you need to pay medical bills and repair costs for your motorcycle, you will need an attorney with experience navigating the particular road blocks that come along with motorcycle insurance. The attorneys at Christensen Law have been representing injured bikers for over 20 years. They can help you make sure your medical expenses are covered, so you can focus on getting well and back on the road.