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Insurance Issues in Motorcycle Accident Cases
Insurance Issues in a Motorcycle Accident – Attorneys Based in Manhattan, New York
Like all motorists, motorcyclists must follow strict insurance mandates. To ensure that they are financially protected in the event of an accident, motorcyclists must make sure to meet their state’s insurance requirements, including those governing liability, uninsured drivers’, and no fault coverage. At Proner & Proner, our experienced motorcycle accident attorneys (serving Manhattan, greater NYC, and surrounding New York communities) have years of combined experience helping motorcyclists navigate the relevant insurance laws. If you have suffered personal injury in an accident, or if you are considering your motorcycle insurance options, contact our firm today to schedule a consultation with one of our lawyers. We will work diligently to make sure that your rights are protected.
- Motorcycle Insurance and Registration Basics
- Types of Motorcycle Insurance Coverage
- No Fault Accidents
- Additional Issues in a Handling a Motorcycle Accident Case
Motorcycle Insurance and Registration Basic
Motorcycle registration and insurance laws go hand in hand, since a motorcycle must be insured in order to be registered. In the state of New York, motorcycles are registered for one year, and all motorcycle registrations expire on April 30th. Dealerships must inspect motorcycles prior to delivery, while individuals who purchase motorcycles through private sales must have the motorcycles inspected within ten days of purchase. (Thereafter, motorcyclists must have their motorcycles inspected at least once every 12 months at a station licensed by the Department of Motor Vehicles [DMV].) In addition, motorcycle liability insurance may be terminated without the motorcyclist first turning in his or her license plate to the DMV.
If you have been in a motorcycle accident, our attorneys based in Manhattan can help you understand the insurance laws impinging on your potential case. Contact Proner & Proner today to schedule a case evaluation.
Types of Motorcycle Insurance Coverage
The type of insurance a motorcyclist has – or his or her failure to purchase insurance – will impact his or her financial recovery in the event of a motorcycle accident. Our attorneys in New York City are knowledgeable about the types of coverage available, including liability, collision, comprehensive, and uninsured motorist coverage. We will advise you as to the best course of action according to your insurance plan.
Liability Coverage
Liability insurance covers bodily injury and property damage a motorcyclist causes to others involved in the accident (possibly including passengers riding with the motorcyclist). Liability insurance does not cover the motorcyclist, himself.
Collision Coverage
Collision insurance covers damage to the motorcyclist’s motorcycle caused by a crash. Damages are usually limited to the book value of the motorcycle at the time of the collision.
Comprehensive Coverage
Comprehensive insurance covers damage to factory standard parts caused by events other than a collision (for example, theft, vandalism, or fire). Typically, damages are limited to the book value of the motorcycle at the time of the incident.
Uninsured Drivers’ Coverage
Uninsured drivers’ coverage protects policyholders (including motorcyclists) in the event of an accident with someone who is either uninsured or underinsured. In states where uninsured motorist coverage is mandatory, motorcyclists must meet minimum coverage amounts.
Proner & Proner’s motorcycle accident attorneys are familiar with New York laws regarding motorcyclists’ coverage. Contact our firm for more information on obtaining the legal counsel you need to navigate these laws after a motorcycle accident.
No Fault Accidents
Under the “no fault” law, motorcycles are not considered motor vehicles, and motorcyclists cannot therefore obtain medical and lost wage benefits the law provides. However, if you have suffered injury in a motorcycle accident that wasn’t entirely your fault, you may be able to obtain compensation per other laws. Contact Proner & Proner for more information.
Additional Issues in a Handling a Motorcycle Accident Case
Aside from insurance, additional factors will likely impact a motorcycle accident victim’s potential case. These include the severity of victims’ injuries (for example, whether they suffered a relatively minor injury or a traumatic brain, spinal cord, or burn injury), the cause of the accident, and the motorcyclist’s legal resources. Given the complexity of accident reconstruction, it is best to hire an experienced motorcycle accident attorney such as those at Proner & Proner. Contact our firm today to secure the exceptional legal counsel you need.
Contact Experienced Motorcycle Accident Attorneys Serving NYC and Surrounding Areas
If you or a loved one has suffered personal injury in a motorcycle accident, our attorneys can help. Serving Manhattan, greater NYC, and surrounding New York communities, we work diligently to obtain the compensation to which our clients are entitled. Contact Proner & Proner to schedule a free case evaluation. We will provide the exceptional legal counsel you need to protect your rights.
