GET MOTORCYCLE MEDICAL INSURANCE COVERAGE BEFORE AN ACCIDENT
Over the last 25 years, our lawyers have represented many injured motorcycle riders who were hit by a car, and motorcycle passengers when the driver of the bike lost control. Our first discussion with the injured motorcycle owner always includes the question of whether or not they have PIP (medical and lost wages coverage) for their bike. This optional coverage will help pay the initial medical bills and lost wages after an accident, such as being hit by a car. Minnesota law requires the insurance company to offer motorcycle medical insurance to you, but that doesn’t mean they have to encourage you to get it, or even explain how important it may be to you.
The other car that hit is still ultimately responsible for your medical bills if they were at fault in the accident, but the payment comes long after the accident when the case is settled. In the meantime, the motorcycle rider is responsible for his or her own medical bills until being reimbursed from the settlement. It can be stressful having those bills handing over your head, and you are limited by the amount of insurance the driver of the car has.
Every client who purchased the motorcycle PIP coverage has been very grateful (usually to their insurance agent) that they did so, particularly because most health insurance policies today come with a significant deductible and don’t pay wage loss, while PIP medical coverage usually has little or no deductible. If you own a motorcycle, now is the time to call your agent and check on your coverage. And, of course, if you are ever injured in a motorcycle accident in MN, call our office for a free consultation with a motorcycle accident lawyer.