Oakhurst, Howell and Toms River Offices Serving All of New Jersey
A motorcycle gives you the feel of the open road. And for many riders, it is the ultimate feeling of freedom and power that makes riding a motorcycle enjoyable.
Unfortunately, not all motorists watch out for motorcycles. Because motorcycles are much smaller than cars and trucks, they are easy to miss, especially when drivers are distracted.
Motorcycle accidents are often serious for the motorcyclists because their vehicles offer very little in the way of protection against the road itself or other vehicles.
Often, a motorcyclist can suffer catastrophic injuries while a automobile driver may not be injured at all. This imbalance can lead to significant injuries, damages, and even death.
Unique Insurance Law for Motorcyclists
The State of New Jersey requires that every resident have insurance to cover themselves in the event of an accident. This personal injury protection insurance (PIP insurance) will pay for your injuries up to a certain limit. Anything beyond that limit is the responsibility of the driver at fault.
The minimum amount for New Jersey PIP insurance is $15,000 per accident or per person. That may seem like a significant amount of money, but considering the average accident costs roughly $30,000, it barely scratches the surface.
Once you factor in things like medical expenses, lost time from work, and property damage, the financial responsibility seems unbearable.
Even though motorcyclists are still required to carry insurance in New Jersey, their policies are slightly different. In a regular car accident, the driver is covered with PIP insurance. That is not the case for motorcyclists.
PIP insurance does not cover the operator or their passenger’s payment of medical bills, which can be devastating considering the severity of many motorcycle accident injuries.
Further, the major reason many people file personal injury claims is because of their staggeringly high medical bills. Not having PIP insurance can definitely compound this type of problem.
Many motorcyclists do not realize that these differences exist in their insurance policies. An experienced New Jersey motorcycle accident lawyer can help you navigate your policy to determine what is and is not covered, and help you be sure that your insurance company pays for everything they should.
Common Injuries After a Motorcycle Accident
Motorcycle injuries are often more severe than other types of accidents.
Injuries that follow a motorcycle accident can include:
- Traumatic brain injury or damage
- Other head injuries
- Road rash
- Facial disfigurement or fractures
- Broken bones or fractures, particularly in the hands and feet
- Spinal injuries
- Bruises, cuts, and lacerations
- Internal organ damage
- Pelvic damage
Some motorcycle accidents can also result in death, particularly if a significantly larger vehicle is involved, such as a truck or tractor-trailer. High speeds also increase the severity of the accident.
Because of the seriousness of these injuries, surviving a motorcycle accident can mean a long road to recovery. It often involves treatment that may include surgery, physical therapy, and a long rehabilitation process.
This recovery process is not only painful and emotionally trying, it can also be very expensive. In addition, it can be hard on your family life.
Who Is at Fault after a Motorcycle Accident?
There are some reckless motorcycle drivers, but the truth is, most accidents that happen between cars and motorcycles are usually the result of the car driver’s error.
If you or a loved one has been involved in a motorcycle accident, it is important to get medical help immediately. Motorcycle accidents can result in internal injuries that are difficult to spot.