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Kate Reilly
Kate Reilly
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Motorcycle Accident in Woodbridge, NJ – What Does Insurance Cover?

2 comments

Woodbridge, New Jersey Police are still investigating an accident involving a motorcycle and a car which took place on September 3, 2009 on Main Street near its intersection with Route 9. The motorcylist was killed.

Many people who buy motorcycles are under a common misperception that their car insurance or the insurance of a car that is responsible for an accident will be responsible to pay for their medical bills. Sadly, this is not the case. While car insurance companies in New Jersey and many other states include coverage known as Personal Injury Protection or PIP, motorcycle insurance companies do not provide such coverage in our state. What this means is that if you are injured as a passenger or driver of a motorcycle, you will have no medical coverage unless your private health insurance carrier pays your bills.

Injuries arising out of motorcycle accidents are often much greater than those suffered in accidents involving cars for many obvious reasons. While motorcycles have become much more popular as the price of gas has increased, the likelihood of personal injury or like the Woodbridge crash, death, in a motorcycle accident, is also much higher.

Helmets are most important to avoid head injuries. The types of helmets available vary and great care should be taken to make certain that the fit is right.

Medical expenses and injuries from a motorcycle accident can be devastating. Care in the selection of the best coverage should be taken so as to minimize an accident victim’s expenses. The available insurance coverage should also be evaluated. Often the motocyclist can purchase uninsured or underinsured motorist coverage which will enhance or add to the coverage of the operator of another vehicle which might be involved in the accident with the motorcycle.

2 Comments

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  1. Michael says:
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    I completely agree that the use of a helmet should be strongly urged. The rider safety course should also be encouraged by making the incentive more compelling… perhaps by increasing the discount on insurance premiums? Wonderful info!

  2. Jonathan Paul says:
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    The wearing or not wearing of a helmet has a LOT to do with a motorcycle accident. It means that someone’s skull was or was not cracked open on impact and their brain matter smeared on the highway. It may prompt more bikers to wear helmets and save their lives. It is apparent you’ve never seen a skull cracked open which could have been prevented by wearing a helmet.

    Besides, if you have been involved in a motorcycle accident that wasn’t your fault then you can pursue a motorcycle compensation claim. It can cover medical expenses borne by the victim, loss of earnings, physical immobility, etc. Motorcyclist’s accident claims solicitors can help get compensation fast for the injuries suffered. The solicitors have abundant experience in handling claims such cases. Visit http://www.accidentsdirect.com/ for more information.