Having the right type of motorcycle insurance is critical to protect yourself if you're seriously injured in a crash and are unable to work. Michigan's motorcycle accident law is different than those for car accidents or truck accidents. A motorcycle is not considered a motor vehicle in Michigan, according to the No-Fault law. This was meant to exclude motorcycles, making bikers involved in crashes exempt from the legal requirement to purchase No-Fault PIP insurance coverage.
But motorcycle accidents often involve other cars and trucks on the road. As such, Michigan No-Fault insurance benefits will generally be available to Michigan motorcycle accident victims.
The only insurance required for a motorcyclist in Michigan is basic liability coverage for a pain and suffering (third-party) personal injury suit. The coverage must be at least the minimum liability set by law, according to the Michigan No-Fault law.
The Michigan Motorcycle Insurance Law
A motorcycle owner can still purchase optional insurances such as No-Fault insurance (also referred to as PIP coverage), which includes medical benefits and wage loss. Very few bikers purchase PIP because it's expensive. If you are riding a motorcycle then most motorcycle insurance lawyers recommend purchasing PIP coverage on a motorcycle.
The incidence of traumatic brain injury and spinal cord injury is much higher with bikers, and you don't want your treatment for a catastrophic personal injury to be dependent on Medicaid options. With motorcycle PIP, you can go to any hospital, with any specialist and receive the best treatment in America.
A motorcycle owner can also purchase uninsured and underinsured motorist coverage. Uninsured motorist coverage (UM) and underinsured motorist coverage (UIM) provide a valuable source of legal recovery when someone is injured in an auto accident by another driver who is uninsured or does not have adequate insurance.
Time Limits for Filing a Claim
Law only allows one year to file a (first-party) claim for No-Fault benefits after a motorcycle accident. Michigan law allows three years to file a (third-party) claim for pain and suffering and excess economic loss against a negligent driver who causes a motorcycle accident. Michigan has a very strict and unforgiving statute of limitations. If you have questions, ask an experienced motorcycle accident lawyer as soon as possible. If you submit a medical bill past the statute of limitations, you will be personally responsible for it.
Additional resources provided by the author
For additional information on motorcycle laws in Michigan including what do to after a crash, visit these valuable website resources:
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