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Insurance is essential. Without insurance coverage, there is rarely a source of money to go after to collect on an injured party’s claim. Personal injury protection (PIP) insurance is not available to motorcycle owners even if they already carry PIP for another vehicle. If the motorcyclist was not at-fault, he or she may be able to seek damages from the party negligent in causing the crash. While motorcyclists are not covered by PIP insurance, they are also not bound by its restrictions. If an unidentified vehicle causes a crash, or if a hit and run vehicle causes a crash, riders may file claims under their own uninsured motorist policy for their injuries.
Insurance disparities exist between motorcycle and car or truck coverage in Florida. PIP insurance is not available for motorcyclists. Motorcycle owners can buy medical payments insurance to cover the injuries they could suffer, and they can purchase insurance to cover injuries or damage that they might cause to another while on a motorcycle. Given the fact that injuries in a motorcycle crash are likely to be more severe, the motorcycle rider is at higher risk of financial disaster following a severe accident.
An injured motorcyclist may seek compensation from the at-fault party through a personal injury lawsuit. Because motorcycles are not subject to PIP insurance restrictions, injured riders are not restricted in the damages they may seek for their injuries. For example, an injured motorcyclist who brings a claim against an at-fault party does not have to prove his or her injuries are permanent to recover damages for pain and suffering and loss of the enjoyment of life.
A large percentage of motorcycle accidents are the fault of another driver, contrary to public perception. If you are involved in a motorcycle accident, you should contact an experienced motorcycle accident attorney as soon as possible. Sean M. Cleary has a thorough understanding of the complex Miami insurance system. You may be entitled to compensation for medical bills, lost wages, pain and suffering, mental anguish, loss of enjoyment of life or wrongful death damages caused by the negligence of a motorist.
The Law Offices of San M. Cleary has successfully represented many victims of motorcycle crashes recovering large settlements. Reach out to us today for a free consultation. Do not wait as time can adversely affect your case. Call for a free consultation today at 305.416.9805.