Motorcycle Accident Insurance Requirements — Know the Laws Before You File a Claim

It is important to carry motorcycle accident insurance that provides comprehensive coverage for you and your passengers.  Although motorcycle laws and insurance requirements differ by state, all states require bikers to carry some form of motorcycle insurance.  Should you ever have to file an accident claim, the experienced motorcycle accident attorneys at Law Tigers can help you understand the parameters of your specific case and provide you with the kind of comprehensive legal representation you deserve.


Motorcycle Insurance Guidelines

Many companies offer affordable and comprehensive motorcycle accident insurance coverage.  It is important to know the motorcycle insurance laws in your state, as coverage requirements can differ.  All states require riders to carry minimum bodily injury liability and property damage coverage.  Although the amount of these policies varies by state, many motorcycle accident insurance requirements are the same as auto accident insurance laws.


Uninsured Motorist Coverage

Uninsured motorist coverage is optional in most states.  In states where it is mandatory to carry uninsured motorist coverage, riders are required to meet minimum coverage amounts. Uninsured motorist coverage protects policyholders from drivers who don’t have insurance, or from drivers who carry inadequate insurance.

If you need additional information about how to file a motorcycle accident insurance claim or about the specific insurance requirements in your state, don’t hesitate to contact Law Tigers today.


Personal Injury Protection

Another optional motorcycle accident insurance requirement in many states is personal injury protection (PIP).  This type of insurance coverage pays hospital bills and medical expenses should you be involved in an accident.


Law Tigers Recommended Insurance Coverage

The Law Tigers are concerned that riders are not “FULLY COVERED.” While “full coverage” is a phrase thrown around by insurance companies, it is often misunderstood. Since we started representing motorcycle riders, we have discovered that many are underinsured, or even worse, have no insurance whatsoever. All too often, the people causing the crashes do not have enough insurance to cover the injuries of the motorcycle rider. This information is designed to give you suggestions on the COVERAGES YOU SHOULD HAVE, INCLUDING UNINSURED AND UNDERINSURED COVERAGE, so that you are “FULLY COVERED.” These coverages are very important to you if you are injured. Without them, you run the risk of never being fully compensated if you are ever involved in a crash.

Please take this information to your insurance agent and review your coverages with that agent. If you do not have these coverages, we strongly urge you to consider getting them or coverages as close to the ones listed below as possible, so that if you are ever in a crash, you can be adequately compensated.

Liability CoverageEach Person
Each Accident
Bodily Injury Limits$250,000$500,000
Property Damage Limits$25,000
Medical Payments$25,000
Uninsured Motorist CoverageEach PersonEach Accident
Bodily Injury Limits$250,000$500,000
Property Damage LimitsEqual to value of motorcycle
Custom PartsEqual to value of the custom parts
Under-insured Motorist CoverageEach PersonEach Accident
Bodily Injury Limits$250,000$500,000
Umbrella Coverage with UM/UIM Coverage$1,000,000

Contact Law Tigers Today

If you have been involved in a motorcycle accident, or need information about motorcycle insurance requirements, laws, or how to file a claim, contact the skilled attorneys at Law Tigers today.  Our specialized firm knows the unique motorcycle laws in each state, and can help you get compensation for your injuries if you are ever involved in an accident.