Auto insurance policies are required to cover accident-related medical costs regardless of who is at fault under New Jersey's No Fault Law. This is called personal injury protection benefits, or PIP for short. The question is: do these benefits cover you during a motorcycle accident?
Read below for more information. We strongly suggest that you contact a NJ motorcycle accident lawyer, such as Brandon J. Broderick, to help answer any questions and help you seek compensation, especially if you were injured while riding a motorcycle in New Jersey.
We offer free case evaluations. Call us today to schedule an appointment.
Motorcycles and New Jersey's No-Fault Laws
Unfortunately, even if you are hurt while riding a motorcycle as a result of an accident with an automobile covered under no fault, there are no PIP benefits available under either your auto or motorcycle policy for injuries.
Since no-fault insurance does not apply to motorcycles, the rider must look to alternative sources to cover their medical expenses, such as health insurance, Medicare, Medicaid, or other union plans. Some of these sources either do not cover motorcycles or require a repayment of the benefits they provide from the settlement you receive from the driver who hit your motorcycle.
Who is Liable Following a Motorcycle Accident in New Jersey?
The insurance of the other motorist is not liable for your medical expenses. The other motorist's insurance company has a "liability" policy for that driver. On claims for which their insured is responsible, their carrier is required to cover losses. They are not required to cover the upfront costs of medical bills for those hurt by their insured. Your liability claim against their insured includes your medical bills if they are not paid. Your claim also covers your injuries, lost pay and pain and suffering. The insurance company for the other driver will ultimately resolve the case. However, it can take time.
Minimums for Motorcycle Liability Insurance in New Jersey
All cars must have liability insurance with a minimum limit of $15,000 in New Jersey. Unfortunately, approximately 40% of all automobiles in New Jersey either have no insurance at all or only have the bare minimum of $15,000 in coverage. It is recommended that drivers also carry substantial uninsured motorist (UM) and underinsured motorist (UIM) coverage, both of which are available as a part of your own motorcycle policy. This will give you substantial covers when you're involved with another driver with inadequate insurance.
Contact The NJ Motorcycle Accident Lawyers of Brandon J. Broderick
The best way to ensure you receive the compensation you need to cover your losses is to retain the services of an experienced motorcycle accident lawyer.
Contact Brandon J. Broderick, Attorney at Law today for a free consultation to discuss your case and the potential resolutions.