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

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

Let Your Lawyer Be Your Guide

Posted by Francis M. Smith on Mon, Aug 31, 2015

By Francis M. Smith

Any automobile accident injury claim can quickly become a complicated process, and this is doubly true of motorcycle accidents. Dealing with the doctors, specialists, physical therapists, and health insurers as you work toward recovering from your injuries is stressful enough on its own, but in order to seek compensation for those injuries you'll also have to contend with an insurance adjuster. Insurance companies want you to believe that when you're injured, there's just a routine bit of paperwork that needs to be filled out in order for you to get the compensation you deserve; that's certainly the impression their trust-inspiring ad slogans cultivate. The reality is a much longer and more frustrating proposition. It's important to have an experienced motorcycle accident lawyer working to guide you through the process.

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

Proper Motorcycle Insurance Coverage

Posted by Francis M. Smith on Fri, Aug 28, 2015

By Francis M. Smith

Any motorcycle accident lawyer who has been working for at least a couple of years has stories about riders who weren't carrying enough motorcycle insurance, and found out after an accident the high cost of trying to save a few bucks on a cheaper policy. Because motorcyclists are particularly vulnerable on the road, compared to drivers and passengers in larger vehicles, it's vital to carry adequate insurance protection in case something goes wrong.

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Topics: Injuries, Personal Injury Protection, NJ Auto Insurance, Uninsured Motorist Coverage, Motorcycle Accident, motorcycle laws

Motorcycle Laws in NJ

Posted by Francis M. Smith on Mon, Aug 24, 2015

By Francis M. Smith

Because riding a motorcycle is inherently more hazardous than driving a car or truck and requires a different set of skills to operate safely on the road, most states have a distinct set of laws governing motorcycle licensing requirements. Proper gear is essential to the safety of any rider, so it's no surprise that most states also have laws requiring riders to have certain elements of gear and equipment. Since motorcycle laws vary from state to state, it's important to familiarize yourself with New Jersey's specific requirements before hitting the road. An experienced motorcycle accident lawyer is well-versed in the state's motorcycle laws.

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Topics: Injuries, Motorcycle Accident, motorcycle laws

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