Motorcycle accidents can cause serious injuries because riders lack the same level of physical protection as car occupants. An accident can result in broken bones, surgeries, and long recovery periods. The right insurance coverage may help reduce some of the financial burden associated with these injuries.

Personal Injury Protection

Motorcycles in New Jersey are excluded from the state’s Personal Injury Protection requirements. PIP typically covers medical bills and lost wages, but because it is not required for motorcycles, riders must purchase this protection separately if they want it. Speak with an agent at MSM Insurance Agency Inc. to learn whether adding PIP to your policy is an option.

Underinsured Motorist Protection

Many motorcycle liability policies include uninsured and underinsured motorist coverage. This protection may help pay for medical expenses or lost wages if you are injured in an accident caused by another driver who has insufficient insurance coverage. This part of your policy only applies when the other driver is at fault.

Personal Injury Lawsuits

Motorcycles in Kearny, NJ are excluded from PIP and the typical no‑fault laws that apply to standard vehicles. Because of this, riders have more flexibility in seeking compensation through personal injury lawsuits. If insurance coverage is not enough to pay for medical care, lost wages, or other damages, riders can pursue legal action against the at‑fault driver.

To file a successful claim, you must be able to show that the other person caused the accident. This is why it is essential to contact local law enforcement immediately so that the incident is properly documented.

Understanding how motorcycle insurance works and how it differs from coverage for other vehicles can be confusing. The experienced agents at MSM Insurance Agency Inc. can help you understand your policy and the options available to you for recovering lost wages and other damages. Contact us today. We proudly serve the Kearny, NJ area.