Bradley D. Hauswirth
Summer and Fall are great times to get out on the road and enjoy a motorcycle ride. Sadly, motorcycle accidents are all too common and can often result in severe injuries. A common question we receive from clients is:
What benefits do I have if I am injured on my motorcycle?
Many people assume that they automatically have the same benefits available to them whether injured in a car accident or a motorcycle accident. After all, both are required to be licensed under state law. However, the Minnesota No-Fault Act limits no-fault coverage for motorcycles. Under the Act, a motorcycle is excluded from being considered a “motor vehicle.” Therefore, a person injured in a motorcycle crash does not automatically have a claim for No-Fault benefits. Additionally, a person injured in a motorcycle crash does not automatically have uninsured and underinsured coverage like that which comes with a car. Motorcycle insurance only provides liability coverage for basic coverage. Accordingly, it is important to elect personal injury protection (No-Fault) coverage and uninsured and underinsured coverages in the application for insurance process to better protect yourself in the event of injury.
If you have been injured in a motorcycle crash, please call 651-493-0426 for a free consultation with one of our experienced attorneys.
