Given how common these accidents are, and how vulnerable they are, it is important for motorcyclists to carry enough motorcycle accident insurance. Carrying quality health insurance is also critical for motorcyclists.
Unlike with cars and bicycles, PIP coverage is not available on Massachusetts motorcycle insurance policies. However, if you strike a pedestrian with your motorcycle, PIP coverage is available to that person.
I encourage you to buy for as much motorcycle insurance as you can afford. As with most things in life, you get what you pay for. That is glaringly obvious once there is an accident and the insurance needs to be utilized.
You should purchase plenty of Medical Payments insurance coverage. Medical Payments will provide additional medical coverage that will pay for the reasonable and necessary medical bills caused by the crash.
It is quite inexpensive to purchase high Medical Payments limits, as well as high underinsured motorist limits.
You may also make a claim for pain and suffering with the insurance company for the driver that caused the accident. Many car owners have only limited liability policies.
The required minimum bodily injury liability insurance in Massachusetts is only $20,000. That is generally woefully insufficient to adequately compensate an injured motorcyclist.
It therefore makes sense to make sure you purchase plenty of underinsured motorist coverage. This insurance is quite cheap and provides financial protection to you.
This is insurance you can turn to if the driver who caused the crash has insufficient bodily injury liability insurance to cover your injuries.