How Does Motorcycle Insurance Work in a Fault-Based State?
Motorcycle insurance covers riders who are injured in accidents and accounts for the costs and damages that are unique to motorcyclists.
If you are injured in a motorcycle accident, you may be able to file a claim with your own motorcycle insurance company or the other driver’s insurance provider to recover compensation for your damages.
Although it is labeled as “motorcycle insurance,” it does not only cover motorcycle riders. In a state that has a fault-based model to determine liability after a car accident, other drivers can file a claim with a motorcycle insurance company to recover compensation.
What Does Motorcycle Insurance Cover?
A standard motorcycle insurance plan will cover the costs of medical bills and property damage. In a fault-based state, this will include liability coverage for the injuries and property damages of other drivers.
Your insurance policy may also include uninsured and underinsured motorist coverage to provide benefits if the driver you collide with does not have insurance. This type of insurance can also cover motorcycle riders who are involved in a hit-and-run accident.
There may be other optional insurance plans, like uninsured and underinsured motorist coverage, available to add to your standard motorcycle insurance policy. This may include personal injury coverage, property damage coverage, and other plans that provide added financial safety in the event of a motorcycle accident.
Does Motorcycle Insurance Provide Liability Coverage?
Under most motorcycle insurance policies, liability coverage is included. Liability coverage provides compensation for damages to another driver, which may include medical bills and property damage costs. If you have motorcycle insurance, you should not have to worry about paying extra damages if you cause an accident. It is still important to make sure that you comprehensively go over your insurance policy and compare it with other options so that you choose the best coverage for your situation.
The details of your insurance policy may be different than other policies. It is important to familiarize yourself with the details of your insurance plan so you know what is covered in the event of an accident.
It is rare that the person on a motorcycle is liable for damages when motorcycle accidents occur, but it can happen. In these cases, a standard motorcycle insurance plan should cover the damages of injury victims.
The attorneys of The Groth Law Firm, S.C. are available to assist you if you have been injured in a motorcycle accident or have other legal questions. Contact us today to discuss the details of your case.
If you are interested in speaking with our legal team, send us a message or call (414) 768-2727 to schedule a free consultation with our lawyers.