As a motorcyclist, you understand the importance of driving safely. Unfortunately, though, other drivers don’t always share the same mentality. When you or a family member gets hurt in a motorcycle accident, know that you can turn to us for fierce, effective legal representation. Between attorneys Ron and Gerald Weiss, we have more than 75 years of combined experience handling personal injury claims of this nature. Gerald is licensed to practice in Michigan while Ron is licensed to practice in both Michigan and Ohio.
Michigan Motorcycle Accidents
Before you can fully understand what goes into a personal injury claim as a motorcyclist, it helps to first know about Michigan’s No-Fault Law. This law requires car owners (or, more specifically, “motor vehicle owners”) to purchase no-fault insurance coverage for their vehicles. By doing so, they are financially protected in the event of a car accident.
According to Michigan law, motorcycles are not classified as “motor vehicles,” and therefore their owners aren’t required to purchase no-fault auto insurance. Instead, they have to purchase Personal Liability and Property Damage (PLPD) coverage.
PLPD Coverage & Michigan Motorcycle Accident Claims
As a Michigan motorcyclist, having PLPD coverage accomplishes three important things all at once:
- Allows you to cover the costs of an accident if the accident is your fault
- Protects you from harsh penalties (up to and including imprisonment) in the event that you cause a crash
- Makes you eligible to receive insurance benefits (Personal Injury Protection, or simply “PIP” benefits) if the wreck is the other driver’s fault
It is in the third scenario — the one in which the accident was the other driver’s fault — that you have grounds to file a personal injury claim. Doing so simply means that you are asking your insurance provider to fully or partially cover the costs of your medical bills, physical therapy, time missed from work, pain and suffering, funeral expenses (in the event that you lost a loved one in the accident), and other related costs.