Nobody wants to plan to be in a motorcycle accident, but the likelihood that you will be involved in a crash at some point certainly warrants taking some preparatory actions, just in case. Motorcycle injuries are often very serious and very expensive. Choosing the right type of insurance coverage now can make all the difference if you are hurt. Although the at-fault driver’s liability insurance is meant to pay for your injuries, you may get into a single-vehicle accident, a hit-and-run, or an accident with an uninsured driver.
Insurance Coverage for You
When purchasing your motorcycle insurance, you can choose additional coverage for medical payments (MedPay) and/or personal injury protection (PIP). Both are covered for you, no matter who was at fault as opposed to liability which covers other people if you cause an accident. Your liability coverage doesn’t pay for your own injuries.
MedPay and PIP both pay for medical expenses. MedPay only pays medical expenses. PIP coverage varies from state-to-state but can cover:
- Lost income
- Cost of childcare and home maintenance if you must hire someone due to your injuries
- Funeral expenses
Availability and coverage are different in each state, so it’s important that you consult with an experienced motorcycle accident attorney when considering which type of coverage is best for you. You may find that it is worth having both.
If you have been injured in or lost someone to a motorcycle accident, there may be insurance benefits available to you that you are not aware of. Your attorney can review your policy and help you pursue every avenue of compensation. Please, do not put off contacting a motorcycle accident attorney and scheduling your free consultation.
