As gasoline prices soar many drivers are turning to smaller vehicles to save money on their gas bill. Mopeds and motorcycles are gaining popularity with economy minded drivers.
As attorneys who handle injury cases, including motorcycle accidents, we have noticed an increase in accidents involving motorcycles. Just last week our local news reported a 37.5% increase in trauma treatment from motorcycle accidents.
Often the insurance requirements for cars and motorcycles is different.
For example, in Florida, an automobile driver is required to carry Personal Injury Protection (PIP), however, a motorcycle driver is not. In simple terms, Personal Injury Protection acts as a mini health insurance policy which provides payment for medical care for the holder of the policy if they are injured in an automobile accident. PIP does not cover injuries while on a motorcycle. Medical care for injured motorcyclists is often paid by their health insurance policy, if they have one. Many times those without health insurance are hurt, unable to work, have no way to pay their medical bills or seek additional treatment they need.
Bikers also need to make sure they have enough insurance coverage to repair or replace their damaged motorcycle. Unfortunately, there are many uninsured/underinsured drivers on the road. When they cause an accident the party who is not at fault must turn to their own insurance for payment of medical bills and payment to repair the damage to their own vehicle.
Some bikers carry a separate motorcycle insurance policy that includes bodily injury, comprehensive, collision, and uninsured motorist coverage to protect them. If you ride a motorcycle make sure you are properly covered.
Often motorcycle accidents are an insurance nightmare for the biker. If you find yourself faced with this problem, experienced attorneys can help!