If I get in an accident and the other driver doesn’t have insurance and it’s their fault, who pays their medical (and mine)?
Each state may have different coverage available on a motorcycle policy. When purchasing a motorcycle policy it is best to speak with a licensed insurance professional about your options for coverage. Contact your major medical carrier and find out if they cover motorcycle related injury with or without safety gear (Boots, Gloves, Helmet, Eye Protection etcetera). You should ask questions about coverage and be sure you purchase adequate limits based on your specific needs.
The laws in your state may require liability to cover injury resulting from negligence in an accident as well as no fault or coverage to cover the driver of the at fault vehicle. However, if you are hit by someone not insured you will want to carry coverage to protect you such as uninsured motorist coverage or medical payments.
It cannot be stressed enough that you must speak with an insurance specialist about the laws in your state. There are many variations from state to state, and too often advice from a neighbor or buddy is biased by a bad personal experience. The coverage available on an automobile policy is quite different from that available for a motorcycle.
Leslie Kay Drury
Leslie Kay’s, Inc.