Massachusetts is a no-fault auto insurance state, which means a driver's policy pays for damages to their vehicle, regardless of who's at fault. Similarly, personal injury protection (PIP) coverage pays for the treatment of injuries regardless of fault. However, motorcycle insurance doesn't include traditional PIP coverage, though many people don't realize this until after a motorcycle accident. To avoid an unpleasant surprise, learn more below.
Common Questions About PIP Coverage
What is PIP coverage?
Personal injury protection covers lost wages due to accident injuries, in addition to paying for the treatment of those injuries. The extent of the payment depends on whether the injured person has health insurance. If they do, PIP pays for the first $2,000, and their health insurance pays for the balance. If they don't, PIP coverage pays for the first $8,000 of treatment costs.
Who’s covered by motorcycle PIP in Massachusetts?
Although PIP coverage may be listed in your motorcycle insurance policy summary, it doesn't cover injuries to you or any of your passengers. It only covers the cost of treatment for any pedestrians injured in your accident. It's therefore far less expensive than traditional automobile PIP, but it's nearly useless to you if you're involved in a motorcycle accident.
Why aren’t motorcyclists covered?
Since motorcycles are two-wheeled, unenclosed vehicles, they offer no protection to riders or passengers. Bikes are far more vulnerable to road and weather conditions, and they're 27 times more likely to be involved in fatal crashes than car occupants. Since the risk of operator injury is so high, insurers shield themselves from catastrophic costs by simply not offering PIP coverage.
How can bikers protect themselves?
Instead of PIP coverage, motorcycle operators can opt for medical payments coverage. It's more expensive than PIP, and it doesn't cover lost wages, but it may be your best option to protect yourself against medical costs in the event of a motorcycle accident.
If you were involved in a motorcycle accident and need the help of a proven attorney to recover your medical expenses, contact Bellotti Law Group, P.C. in Boston, MA. They serve clients throughout the Metro Area and specialize in personal injury and wrongful death cases. They also have over 30 years of experience handling auto, construction, bicycle, and motorcycle accidents. Visit their website to learn more about the firm, or call (617) 778-1000 to arrange a consultation.