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What Do Collision And Comprehensive Motorcycle Insurance Cover?

Common Causes of Motorcycle Accidents

Motorcycling along New Jerseys’ roads can be entertaining, as long as you are safely prepared and aware of your insurance coverage options. In addition to a durable helmet, it is also important to ensure that you have enough insurance to protect you and your motorcycle in the event of a motorcycle accident.

Understanding Motorcycle Coverage In New Jersey

There are two types of motorcycle coverage, including:

  • Collision coverage: Collision coverage will cover your property damages. If you are involved in a motorcycle accident with a passenger vehicle or another object, this coverage will cover the cost of your motorcycle repairs.
  • Comprehensive coverage: Comprehensive coverage will cover damage to your vehicle that is not due to an accident. This could include an object falling or wind damage.

Each type of coverage is important in protecting your motorcycle. The state of New Jersey also requires motorcyclists to have minimum liability insurance. This coverage will cover damages and medical bills in the event that you are at-fault and cause injuries to another driver. This protects you financially in the event that you are sued with a personal injury lawsuit.

If you carefully review each of the required types of coverage, then you will notice that none of these coverages include your medical bills. Whether or not you are found at-fault for an accident, your insurance will cover your damages, and not your medical bills. Unfortunately, medical bills following a motorcycle accident can get pricey.

Read more: What You Need to Know About Motorcycle Insurance

Important Steps Following a Motorcycle Accident in New Jersey

If you are in a motorcycle accident, there are a few steps that you can take to protect your rights and ensure that you receive any compensation you deserve. A few important steps include:

  • Report the accident and receive needed medical help: The first, and most important, thing to do following a motorcycle accident is to report the accident. Notify 911 if anyone at the scene of the accident requires medical care. It is always a good idea to immediately receive medical care. Bodily injuries are not always easy to determine immediately following an accident.
  • Notify your insurance company: Even though your insurance company will only cover your property damages, it is important to notify them of the accident as soon as possible.
  • Notify your health insurance: It is a good idea to notify your health insurance of the accident.
  • Discuss your case with a motorcycle accident lawyer: Depending on the extent of your injuries and the details of your accident, it may or may not make sense to seek compensation from the at-fault party. If you don’t have health insurance or your damages exceed typical insurance coverage, then you may be able to seek compensation from the at-fault party.

Following these steps will ensure that you protect your legal rights following a life-changing motorcycle accident. The legal team at Andrew Prince, Esq. is ready to evaluate the details of your case and determine the best steps to take. You shouldn’t have to navigate the aftermath of a motorcycle accident on your own.

Contact a Jersey City Personal Injury Lawyer to Discuss Your Motorcycle Accident Case in New Jersey

Did you or a loved one sustain serious injuries in a motorcycle accident in New Jersey? Don’t let the medical bills pile up while you wait for the negligent party or their insurance company to do the right thing. Right now, you need an aggressive personal injury attorney on your side, fighting to get you the compensation you need, want, and deserve. Attorney Andrew Prince, Esq. represents clients injured because of a motorcycle accident in Newark, Jersey City, Elizabeth, Paterson, and throughout New Jersey. Call (908) 304-9187 or fill out our online contact form to schedule a free consultation about your case. We have an office conveniently located at 136 Central Ave, Suite 301, Clark, NJ 07066, as well as an office in West New York, New York.

The articles on this blog are for informative purposes only and are no substitute for legal advice or an attorney-client relationship. If you are seeking legal advice, please contact our law firm directly.