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How To Make An Insurance Claim After A Motorcycle Accident In Michigan

How To Make An Insurance Claim After A Motorcycle Accident In Michigan

July 23, 2018

After a long day indoors, few things are more exhilarating than hitting the open road on your motorcycle. Whether it’s an evening ride to cast off the stresses of the workday, or a weekend adventure to a new destination, there is nothing quite like the feeling of being at one with your bike and the world around you.

While riding has many rewards, it can also be risky. Motorcycle accidents typically result in more serious injuries and fatalities than auto accidents because the rider has little protection from the road or other vehicles.

Why You Need An Experienced Motorcycle Accident Lawyer

If you are involved in a motorcycle accident, you may be tempted to file your own insurance claim. This is not recommended for numerous reasons. Here are a few:

  • Michigan no-fault insurance laws covering motorcycles are even more complex than those for passenger vehicles.
  • An experienced motorcycle accident lawyer understands the ins and outs of motorcycle insurance law and will help you get the benefits you are entitled to.
  • Insurance companies are in business to make a profit. You need a motorcycle accident lawyer who is on your side and will fight for the compensation you deserve.
  • If your claim should end up in court, a good outcome is more likely when you are represented by a knowledgeable motorcycle accident lawyer. 

Why Motorcycle Accident Insurance Claims Can Be Complicated

Under Michigan no-fault insurance law, motorcycles are not considered passenger vehicles. As such, the same coverages and protections provided under policies for automobiles or other motor vehicles do not apply.

The main difference is that most motorcycle insurance only provides liability coverage for bodily injury and property damage. The PIP (Personal Injury Protection) coverage that pays medical bills and rehabilitation when someone is injured in an auto accident is not included in standard motorcycle insurance policies. If a motorcycle driver or passenger is injured in a crash with a motor vehicle, compensation will come from the insurance company covering that motor vehicle.

When a motorcycle driver or passenger is injured in an accident that does not involve another motor vehicle, there are no insurance benefits under no-fault motorcycle law. Examples would include colliding with another motorcycle, running into a tree or hitting a deer. Michigan insurance companies are required by law to offer optional motorcycle PIP coverage for these types of situations.

How Can I Find A Motorcycle Accident Lawyer Near Me?

When looking for a motorcycle accident lawyer, seek out a firm with a proven track record. With complex regulations and stringent filing deadlines, you want a lawyer with extensive experience in the complex rules and statutes governing insurance claims for motorcycle accidents.

“Many of our lawyers are motorcycle riders,” said Mark Bernstein of The Sam Bernstein Law Firm. “We understand why you ride, and we understand the law. We call it the Bernstein Biker Advantage.”

Motorcycle accident law is complicated, but finding the right attorney is simple. Before signing any papers from your insurance company, call us immediately if you or a loved one is involved in a motorcycle accident.

Get the Bernstein Biker Advantage.

Call 1-800-CALL-SAM today for a free no-obligation consultation.

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