To all of my motorcycle accident blog readers who look forward to and read my monthly column I want to say thank you.
It is not always easy coming up with new topics to write about every month, especially after 7-8 years of writing. But I do it to help people both stay out of an accident, and to know the ropes a little if you do get into a motorcycle accident.
The Right Motorcycle Accident Insurance Coverage is Important
If you are like me, you are waiting for this chill to subside so you can get your bike out.
While you are sitting around, waiting for the spring weather, instead of just staring at your bike, this would be an excellent time to find your actual motorcycle policy and read the Declaration Page and review what you are covered for and perhaps more importantly, what you are not covered for!
For example, most motorcycle policies do not cover you or your passengers for any medical bills, even if the situation was 100% the other parties fault. PA and NJ are “no-fault” states, meaning that your injuries, and the bills generated, are initially your responsibility to pay, regardless of what they tell you on the phone.
Ultimately, the other parties insurance company is responsible for your bills but they will not make payment until your entire motorcycle accident claim settles.
They will however pay for your bike; but will do so on their time schedule not yours, as you are not their customer. So if you aren’t willing to wait for repairs or replacement, then I suggest you purchase collision insurance from your own company.
If you have a custom bike, be sure you have it insured as such; as standard collision coverage may not cover your entire loss.
Lastly and most importantly, be sure you have un/underinsured motorist coverage! This is the coverage that will ensure you receive compensation should you be struck and injured by an uninsured or underinsured driver!
Getting the right motorcycle accident insurance coverage is a vital precursor to collecting the maximum recovery when we win your motorcycle accident case
Bottom line, grab your Declaration Page and spend 5 minutes reading it – it will be time well spent should you be involved in a motorcycle accident.
Remember, Pennsylvania Consultations are Free
If you have any questions about your motorcycle accident coverages just call me, Lee D. Gaber, your Pennsylvania motorcycle accident lawyer, at 1-888-292-5352 (1-888-cycle-law) and I will answer all your questions for free.