No-fault insurance is an important and sometimes mandatory part of an automobile insurance policy. However, this coverage might not be available for certain types of vehicles. This issue is of particular concern to motorcycle owners. The following brief article discusses what no-fault insurance is and answers the question of whether or not this type of insurance covers motorcycle accidents.
What Is No-Fault Insurance?
This kind of coverage, also referred to as Personal Injury Protection (PIP) insurance is a clause included in many auto insurance policies. It’s designed to cover expenses such as the holder’s lost pay and medical bills in the event he or she becomes involved in a traffic accident and sustains disability and/or injury as a result. In a number of states, PIP coverage is mandatory. However, other states give policy holder’s the option of whether or not to include the PIP clause under the umbrella of his or her general policy.
Certain criteria must be met in order for an accident victim to receive PIP insurance benefits, including:
- The insured vehicle was being used as a passenger vehicle and not for some other purpose at the time the accident occurred.
- There is enough evidence to prove the incident caused the policyholder’s injuries.
- What is defined as a motor vehicle was the transportation vessel involved in the accident.
- The policyholder sustained medically recognizable bodily injuries.
Who Is Covered Under No-Fault Insurance?
Under most no-fault insurance policies, individuals with PIP coverage are categorized as either direct insureds or indirect insureds. Direct insureds are the policyholder, his or her spouse, relatives or other individuals who may be named in the policy. In certain instances, direct insureds must fit these specific mandates:
- That a named relative must live with or be considered part of the policyholder’s household.
- Should the policyholder divorce, his or her former spouse no longer receives coverage.
Indirect insureds play some role in the accident in question and can be defined as:
- Someone driving an insured vehicle who is not named under the PIP policy.
- A passenger riding in the insured vehicle when the incident took place.
- A pedestrian involved in the accident.
Does PIP Insurance Cover Motorcycles?
In most cases, the short answer to this question is no. No-fault laws that govern most automobile insurance policies define a motor vehicle as a transport vessel that possesses more than two wheels.
What Action Can a Motorcycle Owner Take?
One way a motorcycle owner can circumvent this problem is to purchase motorcycle insurance. Though typically more expensive than standard automobile insurance, a number of motorcycle insurance policies do offer holders the opportunity to add the PIP clause to their general coverage. It is important to note, however, that certain states do not permit companies that sell motorcycle insurance policies to include the PIP clause. Therefore, anyone interested in owning or insuring a motorcycle should familiarize themselves with their individual state’s insurance and traffic laws.
If a motorcyclist resides in a state that does not permit insurance companies to provide PIP clauses as part of overall motorcycle coverage plans, his or her best remaining option might be to make sure a solid personal health insurance policy is in effect. Health insurance will not resolve financial matters like lost wages, but will likely cover most of, if not all, medical charges incurred by a motorcycle accident victim. If you have any other questions, contact a motorbike accident lawyer Las Vegas NV citizens respect.
Thanks to our friends and contributors from Nadia von Magdenko & Associates for their insight.