If you are a biker in Michigan you need to have motorcycle insurance. But the rules for motorcycle insurance are different than no-fault auto insurance. Here’s what you need to know before you hit the roads.
Michigan Motorcycle Insurance Isn’t Necessarily No-Fault
Michigan requires every motorcycle rider to purchase insurance for their motorcycles, just like it does for motor vehicles. Cars are governed by the Michigan No Fault Insurance Act, requiring drivers to obtain no-fault personal injury protection (PIP). But for motorcyclists, the mandatory insurance is fault-based and a lot more complicated.
While drivers can rely on their own no-fault insurance to cover any personal injuries they might suffer, motorcycle riders’ coverage depends on the fault of the parties involved. When a driver is at fault, his or her no-fault insurance can help fill the gap between the rider’s motorcycle insurance policy and the cost of the rider’s injuries.
Motorcycle No-Fault is an Option
Just because your vehicle of choice has two wheels doesn’t mean you are left out of the best no-fault insurance in the nation. Any bike owner may voluntarily purchase no-fault insurance just like the Secretary of State requires to register motor vehicles. But most people do not add that insurance on because it can be expensive.
No-Fault Insurance is Worth the Cost for Motorcycles
Even though state law doesn’t require no-fault insurance, motorcycle riders would do well to consider it. That is because they are far more likely to suffer from serious injuries including traumatic brain injuries than motor vehicle drivers when they get into a high-speed accident. This kind of debilitating injuries will eat through the rider’s fault-based insurance policy quickly.
If there is no automobile involved, or if the driver is uninsured or underinsured, the rider could be stuck paying for their medical expenses beyond their insurance policy limits. But Michigan’s no-fault insurance is backed by the Michigan Catastrophic Claims Association, that steps in when the rider’s no-fault limit is reached. That fail-safe can make the additional expense worth it in the event of a serious accident.
David Christensen is an expert at maneuvering the motorcycle insurance landscape. The team at Christensen Law in Southfield, Michigan, will sit down with you and discuss your options to help make sure your medical expenses are paid for as you recover. If you or someone you know has been injured in a motorcycle accident, contact Christensen Law today for a free consultation.