If you've been injured in a motorcycle accident in New Jersey, there are questions you may have. Am I covered by my insurance? What about no-fault insurance? The short answer is: it depends.
Motorcycle riders in New Jersey don't have a no-fault insurance option. However, if another driver shared responsibility for your crash, you could be entitled to compensation for your losses through an insurance claim or, in extreme cases, a personal injury lawsuit.
We are aware that insurance concerns involving motorcycle accidents are complex at times. Brandon J. Broderick, Attorney at Law has the experience and team available to manage your case for you. Our NJ motorcycle accident lawyers have represented clients in New Jersey who have been hurt in motorcycle accidents. Call us for help today.
Riders' Guide to No-Fault Coverage
No-fault insurance, often known as personal injury protection (PIP), offers coverage for policyholders who suffer damages but are responsible for their accident. Unfortunately, motorcycle riders cannot get this specific coverage in New Jersey. You must file a claim against the other party's insurer if you are seeking compensation for your losses.
Fortunately, you have the right to pursue financial compensation for medical costs and other damages, provided that you did not contribute more than 50% to the motorcycle accident. Yet, your settlement or reward is proportionally reduced based on your level of fault.
Insurance Requirements For Motorcycle Riders in New Jersey
Motorcycle riders must have liability insurance even though they are not eligible for PIP coverage. In order to legally operate a motorcycle in New Jersey, you must have (at the very least) the following liability insurance coverage:
- $15,000 for one person's bodily injury
- $30,000 for each accident (bodily injury to more than one person)
- $5,000 for damage to property
Liability insurance pays the victim's expenses if the rider is at fault in an accident. These insurance policies do not, however, provide coverage for the rider's damages.
What Are Your Options? Let Us Help You Today
After a motorbike accident, it's okay to feel dread over the situation, due to the thought of having to pay out of pocket for all your losses. Your best course of action is to seek legal help. Speaking with a New Jersey motorcycle accident lawyer will give you some insight into your legal options, and they will investigate every possible source of compensation and make every effort to recover the full amount due.
Remember, before accepting a settlement from an insurance company, you should always consult with an injury lawyer. Brandon J. Broderick has been dealing with these types of accidents for years. We have helped thousands of clients recover losses.
Call us today for a free consultation. Allow us to turn this bad situation into a positive one.