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Motorcycles are not considered motor vehicles under Michigan's no-fault laws; therefore, riders and passengers are treated differently than all other persons injured in motor vehicle accidents.
If you are in a car accident — whether as a driver, passenger, pedestrian, or bicyclist — your no-fault insurance benefits apply. Motorcycle accidents with motor vehicles, however, work differently: both the rider and passengers of the motorcycle must rely on the insurance coverage of the other vehicle involved. If that driver’s policy has lower limits than your own, you are left with their lower coverage.
This becomes an even bigger issue when it comes to medical bills after a crash. For example, if a motorcyclist has unlimited medical coverage on their own policy but is hit by a driver with only $50,000 in coverage, they’re limited to that $50,000 instead of their own unlimited benefits.
The 2019 changes to Michigan’s no-fault law created a loophole that puts motorcyclists and their passengers at an unfair disadvantage. If hit by a driver with lower medical coverage, riders can face serious financial consequences. It’s crucial for riders and passengers to take every precaution and ensure they have proper coverage to minimize the risks created by this legislative gap.
If you have questions about your policy or are involved in a motorcycle crash, call Moss & Colella today. We have the skills, resources, and proven track record to guide you through your insurance needs and fight for what you are rightfully entitled to when you have been injured!
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