I believe motorcycle passengers get no fault insurance coverage so she can sue or arbitrate with your carrirt over the bills. She can also sue you for pain and suffering, lost wages, etc. If she gets no fault insurance then she has to show serious injury as defined in the Insurance Law to sue you.
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She has a claim against your insurer. If her damages exceed the amount of available coverage, she has a potential claim against you.
I tend to agree with the responding attorneys. You should contact your insurance carrier to understand your policy and what the legal implications are of said policy. Best of luck.
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