Motorcycle registrations are increasing in the United States each year, and fatalities and injuries from motorcycle accidents are also escalating yearly.

Each state has its own minimum motorcycle insurance requirements but, basically, in most states bodily injury and property damage insurance are compulsory. The required amounts of insurance for bodily injury range from approximately $20,000 to $50,000, while property damage coverage may be from $5,000 to $30,000. Bodily injury insurance protects you from claims if you are the cause of a motorcycle accident that injures another person and property damage insurance is against damage to another person’s property. If the amount of the injured party’s claim or the property damage loss is higher than your insurance policy coverage, you will be financially responsible for payment of the difference. Insurance policies also cover legal fees if a lawsuit is brought against you for a motorcycle accident.

This insurance does not compensate you for your injuries if you are injured in a motorcycle accident that is not your fault. For this reason, it is important you obtain insurance coverage for yourself. Uninsured motorist protection is optional insurance that pays your medical expenses and property damage if the person at fault does not have insurance. Not everyone has insurance despite the legal requirement to carry coverage.

Motorcycle insurance operates in the same manner as automobile policies. If you suffer injuries in a motorcycle accident that is the fault of another, you are entitled to reimbursement of your medical expenses, pain and suffering, past and future wage loss, and property damage. Insurance adjusters will negotiate with you directly regarding your claim unless you hire a lawyer to act on your behalf.

In some instances, it may be necessary to retain a lawyer. This may happen if the insurance company denies your claim, delays payment of your claim, or does not fairly compensate your losses. A lawsuit may become the only method available to collect compensation for your losses if the person responsible for the motorcycle accident does not have enough insurance coverage to make full restitution for your claim.

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