Why Should a Biker Choose Unlimited Medical Insurance?

A Biker’s Car Insurance Can Affect His Motorcycle Accident

The Motorcycle Legal Minute™ was created by Jason Waechter, THE Motorcycle Lawyer, to explain Michigan’s motorcycle law in a short and easy to understand way.

In 2020, the No-Fault law changed where car drivers now choose the amount of PIP medical they want on their No-Fault policies. After a crash in your car, you simply go your car’s insurance for no-fault benefits.

But with a motorcycle, the first insurance policy you look to to pay your No-Fault benefits is the on the car that hit you. If that car does not have insurance, the next place the motorcyclist goes for medical bill payment follow this… is the insurance company – on the motorcyclist’s car or truck.

I know that might not make sense. It is called the Order of Priorities – it’s just the way it is, under the law. So, if the car that hit your motorcycle is uninsured or unknown, you go to your car or truck for the payment of your medical bills and that is why Michigan motorcyclists should choose unlimited PIP Medical coverage on their personal cars and trucks.

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