Is Your Motorcycle Covered by No Fault in New Jersey?
Under New Jersey’s No Fault Law, automobile policies provide for payment of a policyholder’s accident-related medical expenses without regard to fault. These medical benefits are referred to as personal injury protection benefits or PIP. New Jersey motorcycle accident lawyer Jerry Friedman explains New Jersey’s No-Fault coverage and how this affects motorcyclists that have been injured in an accident while operating their bike.
New Jersey No-Fault Laws and Motorcycles
Unfortunately, there are no PIP benefits available under either your automobile or motorcycle policy for injuries sustained while operating a motorcycle, even if you are injured on your motorcycle as a result of a collision with an automobile insured under No Fault.
Since motorcycles are excluded from No-Fault coverage, the rider must look to alternative sources to pay their medical bills such as health plans, Medicare, Medicaid or union plans, some of which either exclude motorcycles or require reimbursement of the benefits they pay from your monetary recovery against the driver who caused the motorcycle accident.
Who Is Responsible for Medical Bills After a Motorcycle Accident in NJ?
The other driver’s insurance will not volunteer to pay your medicals bills as they are incurred, nor are they responsible to do so. The other driver has a “liability” policy with his/her insurance carrier. Their carrier is obligated to pay on claims for which their insured is liable. They are not obligated to pay up front for medical bills for people injured by their insured. Your medical bills, if unpaid, become part of your liability claim against their insured. Your claim also includes your injuries, pain and suffering and lost wages. Eventually, either by settlement or judgment, the other driver’s insurance company will pay your claim. But that could take years.
New Jersey Liability Insurance Minimums for Motorcyclists
New Jersey requires that all vehicles carry a minimum of $15,000 of liability insurance. Unfortunately, almost 40% of all vehicles in New Jersey are either totally uninsured or carry the minimum $15,000 required. The solution is to protect yourself by purchasing high amounts of uninsured motorist (UM) and underinsured motorist (UIM) coverage offered as a part of your own motorcycle policy. This will provide protection against those drivers with little or no insurance.
Call New Jersey Motorcycle Accident Lawyer Jerry Friedman for a Free Consultation
If you need further information or explanation about uninsured motorist (UM) and underinsured motorist (UIM) coverage, please contact our NJ motorcycle crash injury attorney at 1-800-LAW-4-HOGS. Lawyer Jerry Friedman can help you navigate New Jersey motorcyclist laws in a free consultation today.