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Are Motorcyclists Eligible for Insurance Coverage in an Accident?

For the most part, motorcyclists are entitled to being covered under health insurance in the event that there is an accident. Despite this, coverage could be contingent upon the type of policy a person carries in the event that they are in a motorcycle accident. Requirements around this may vary from state to state, especially if the policy originated in another state.

Safety Tips to Avoid Collision

As a motorcyclist, taking certain safety measures can help to avoid a serious accident. The following may be beneficial in avoiding an accident:

  1. Go over the the motorcycle to ensure that it is in good working condition by ensuring that all safety features are operable.  
  2. Wear a helmet and protective clothing such as long pants and sleeves.
  3. Ride as part of a group.
  4. Never ride when tired.

What Will Insurance Cover?

Health insurance will be incredibly important to all parties involved in a motorcycle accident. This is especially true when it comes to circumventing exorbitant medical expenses and loss of income when recuperating from the accident. A health insurance company will likely cover the following in the event of a motorcycle accident:

  • Admission to the hospital
  • Medical care, treatments
  • Mental health therapy
  • Doctors Appointments and visits

Alternatives to Health Insurance

In the event that the motorcyclist was not at fault for the accident, they should not use their own health insurance to cover medical expenses. An at-fault person’s PIP provision will be available if the collision included another motorcyclist who was in the accident. This alternative, will allow for the motorcyclist to avoid paying higher insurance costs.

Personal Injury Protection Coverage (PIP)

It is important that a motorcycle enthusiast have Personal Injury Protection Coverage in addition to their regular insurance plan. Just having regular insurance will not provide full protection if in an accident. PIP will give the rider an additional amount of coverage. Although such policies are expensive, they are proven to provide the additional coverage that is needed in the event of a motorcycle accident.

Motorcycle accidents can result in serious injury, even death. It will be important to secure the appropriate insurance before owning a motorcycle to ensure that you have the proper coverage in the event of an accident. If you were a motorcyclist who was in an accident where another driver was at fault, working with a Las Vegas motorcycle accident lawyer will be vital. A personal injury attorney will be able to protect your rights and ensure that you are awarded the compensation that you are entitled to.


Thanks to our friends and contributors from Nadia von Magdenko & Associates for their insight into motorcycle accidents.


About the Author

Steve Harrelson
Steve Harrelson

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