If you are like so many people in the Garden State that enjoy getting around on two wheels you need to read this article and know exactly just what your rights are. Motorcycles are a great relaxing and fun method of transportation as well as entertainment.
Understanding Motorcycle Accident Injuries and Insurance in New Jersey
Riding a motorcycle comes with risk of injury far greater than that of riding in an automobile. Impact between motorcyclists and other vehicles most times leads to people being thrown from the motorcycle and then often times suffering secondary and tertiary impacts. The injuries that result from such accidents are often times devastating if not fatal.
In the unfortunate situation where you are struck and injured who pays for the medical treatment that will most certainly be associated with your injuries? Will your family shoulder what could be a significant financial liability?
While the treatment of injuries sustained in motor vehicle accidents is generally covered by PIP (personal injury protection) in New Jersey, you have no such luxury when it comes to riding a motorcycle. If you don’t know by now, insurance companies are not foolish. They aren’t going to insure your health while riding a motorcycle when statistics are that any injuries sustained will be severe and require significant amounts of money to treat.
Not only are motorcycles not required to carry personal injury protection coverage but they’re legally not allowed to be covered with such policies. Some insurances may offer a “med-pay” coverage on your policy but it would be very expensive and provide limited coverage.
By the way, even though you may have a policy of automobile insurance, such coverage does not apply to you when you are operating a motorcycle. Automobile insurance policies typically contain language excluding coverage of motorcycles.
What this means is that if you reside in New Jersey and plan on riding a motorcycle as a driver or a passenger it would be wise to make sure you maintain excellent health insurance otherwise you may be unnecessarily subjecting yourself and your family to some significant medical bills.
It is important to note that every situation and case is different. In order to determine whether or not you have a viable claim for compensation we make ourselves available to answer you questions during a free personal injury consultation.
Peter Briskin is a New Jersey and New York licensed attorney who has represented many motorcycle accident victims. We have recovered millions of dollars for our clients and look forward to serving you. If you ride a motorcycle on New Jersey’s congested roads and find yourself in the unfortunate situation of being injured in a motorcycle accident DON’T WAIT! Call us now so that we can help you!