Personal Injury Articles for the Injured of NJ

Motorcycle Insurance FAQs

Posted by Francis M. Smith on Mon, Nov 13, 2017

By Francis M. Smith

Motorcycle Insurance

 

Q: Do I need to buy a separate insurance policy for my motorcycle?

A: Yes. Car insurance does not extend to cover motorcycles, due to the significant differences in risk between the two kinds of vehicle, so you will need to purchase a separate motorcycle insurance policy, regardless of whether you already have auto insurance. New Jersey law requires riders to carry a minimum of $15,000 per person and $30,000 per accident of liability coverage. However, this legal minimum is almost certainly insufficient coverage for any serious accident. If a passenger riding with you is hurt, their injuries could be very severe and require extensive medical treatment. Liability coverage of at least $100,000 per person and $300,000 per accident is recommended, along with an equal amount of uninsured/underinsured motorist (UIM) coverage.

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Topics: Motorcycle Accident, motorcycle laws, motorcycle injuries, motorcycle accident lawyer, motorcycle insurance

Motorcycle Accidents Most Common Causes

Posted by Francis M. Smith on Wed, Nov 08, 2017

By Francis M. Smith

Motorcycle accidents are among the most devastating vehicular crashes that happen on our nation's roads. Motorcycles are not only much smaller than passenger cars, but they lack the protective passenger cabin that sedans have; with no sturdy shell between a rider's body and the road (or another vehicle), the only buffer from injury a rider has is the helmet and gear he or she wears. While helmets definitely save lives, it's no surprise that motorcyclists are dramatically more likely to die or be severely injured in a crash than occupants of a passenger vehicle. Because of this, every rider should be aware of the primary causes of motorcycle accidents, how those dangers can be avoided or mitigated, and what options they have in the event of a crash.

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Topics: Motorcycle Accident, injury compensation, motorcycle injuries

Supplemental Underinsured Motorist Coverage for Motorcyclists

Posted by Francis M. Smith on Fri, Nov 03, 2017

By Francis M. Smith

Every vehicle operated on a public road and registered in New Jersey is legally required to carry insurance, to protect both the vehicle's driver and others involved in the event of an accident. However, sometimes the protection provided by a standard insurance policy isn't enough; this is doubly true for motorcyclists, as motorcycle insurance generally doesn't include personal injury protection (PIP), which is a car accident victim's first recourse for medical coverage in no-fault states like New Jersey, in which each driver's own insurance pays their medical expenses. Lacking this option, a rider's best option for injury compensation is medical insurance first, then the other driver's car insurance, given that in the majority of motorcycle accidents involving another vehicle, the rider is not the party at fault. (And if relying on the other vehicle's liability insurance, only at the conclusion of the claim will unpaid medical bills be paid out of settlement proceeds.)

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Topics: Uninsured Motorist Coverage, Motorcycle Accident, Underinsured Motorist Coverage, motorcycle injuries

Motorcyclists' Special Insurance Needs: Read This Before Riding

Posted by Francis M. Smith on Wed, Nov 01, 2017

By Francis M. Smith

For all of the mechanical and logistical differences between motorcycles and passenger cars, the regulations governing the two types of vehicles bear plenty of similarities. It's understandable that many riders, especially those who also own a car, assume that their motorcycle insurance and their car insurance work in basically the same way. In some respects that assumption holds true, but if you're involved in a serious motorcycle accident, expecting your medical needs to be covered as they would be if you'd been driving a car could result in a very expensive disappointment.

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Topics: Personal Injury Protection, Automobile Insurance, Uninsured Motorist Coverage, Motorcycle Accident, Underinsured Motorist Coverage, insurance company

Motorcycle Accidents: Let Your Lawyer Be Your Guide

Posted by Francis M. Smith on Wed, Oct 18, 2017

By Francis M. Smith

In general, the higher the stakes in a motorcycle injury claim, the more complicated the case becomes, in large part due to the fact that the insurance company involved in the case will look for any justification it can find to reduce a large compensation figure. The injury claim resulting from a serious motorcycle accident can quickly become confusing even for experienced injury lawyers, which is why it's so vital to find an attorney with an extensive background in motorcycle accident cases to help you pursue your claim.

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Topics: Motorcycle Accident, injury compensation, motorcycle injuries, motorcycle accident lawyer

NJ Motorcycle Laws

Posted by Francis M. Smith on Fri, Oct 13, 2017

By Francis M. Smith

Motorcycles have several advantages over passenger cars, including fuel efficiency and sheer enjoyment to ride, but they also require a different skill set to operate safely, and come with a dramatically increased risk of serious injury or death in the event of a crash. In response, New Jersey has implemented a few key regulations governing the operation of motorcycles, intended to ensure that anyone who hits the road on the back of a motorcycle is as safe as possible.

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Topics: Motorcycle Accident, motorcycle laws, motorcycle injuries

Does Your Motorcycle Have Adequate Insurance Coverage?

Posted by Francis M. Smith on Mon, Oct 09, 2017

By Francis M. Smith

As anyone who rides regularly knows, the freedom and maneuverability granted by a motorcycle comes at the cost of a greater vulnerability to injury in the event of an accident, and it only takes a fraction of a second for a ride to go horribly wrong. Poor road conditions or inattentive motorists can cause serious accidents in a heartbeat. Of course, some would argue that's why we have motorcycle insurance; to guarantee that we have the resources needed to recover in the event of a crash. But many riders don't realize how little protection the insurance policy they've bought actually provides.

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Topics: Motorcycle Accident, insurance company, motorcycle laws

10 Tips to Maximize Your Recovery from a Motorcycle Accident

Posted by Francis M. Smith on Wed, Sep 06, 2017

By Francis M. Smith

After a motorcycle accident, there are a handful of basic steps that most resources will recommend you take in order to protect yourself and any claim for compensation that you might pursue. I've touched on these ideas before, but I think they're worth a more systematic and in-depth look; the actions you take in the days (or even hours) after a motorcycle crash can have a dramatic impact on your claim for compensation.

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Topics: Motorcycle Accident, injury compensation, motorcycle injuries

Important Motorcycle Safety Tips

Posted by Francis M. Smith on Mon, Aug 28, 2017

By Francis M. Smith

Many people come to my blog because they've already suffered an accident, and are looking for guidance about what they should do next. But if you've come here because of a general interest in motorcycle safety, or if you're looking forward to getting back on the road after you've recovered from a motorcycle accident, there are a number of safety tips that might make the difference for you the next time you're out riding. Though many motorcycle accidents are caused by car and truck drivers who fail to notice a motorcyclist or don't know how to share the road safely, there are steps you can take to reduce your risk of an accident. Since I am not a rider myself, these tips are drawn from the advice offered by the Motorcycle Safety Foundation, and if even one serious accident can be prevented by this information, I'm happy to share it.

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Topics: Motorcycle Accident, motorcycle injuries

Motorcycle Accident Injuries: Do You Have a Case?

Posted by Francis M. Smith on Fri, Aug 11, 2017

By Francis M. Smith

When you contact an attorney after a motorcycle accident, one of the first things he will help you figure out is whether you have a viable personal injury case. Not all accidents will result in successful injury claims, because the circumstances and details of every accident are different. In order to win a motorcycle injury claim, you and your lawyer must be able to make a convincing case that someone else (usually the other driver involved in your accident, but occasionally some other party whose actions affected the situation in some way) was negligent, and that this act of negligence caused your injuries.

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Topics: Motorcycle Accident, injury compensation

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