FAQs

Frequently Asked Questions

What should I do if I am involved in a motorcycle accident?

Immediately seek medical attention.

If you are physically able to do so, call 911 to report the accident and stay at the scene until police arrive and statements have been given. Again, if you are able to do so, take photos at the scene and talk to witnesses whenever possible.

Should I talk to an attorney prior to discussing the motorcycle accident and injuries sustained in the motorcycle  accident with an insurance adjuster?

It would be in your best interest to seek legal counsel from a well experienced attorney who handles motorcycle accidents in Michigan to determine what your rights are as they relate to injuries you sustained in a motorcycle accident prior to discussing the accident or your injuries with an insurance adjuster.

How serious do the injuries sustained in a motorcycle accident have to be in order to seek compensation?

The threshold to qualify for compensation for injuries sustained in a motorcycle accident in Michigan is a serious impairment of a body function, permanent serious disfigurement, a traumatic brain/closed head injury, or death.

What benefits am I entitled to after having been injured in a motorcycle accident and what are the time limits?

First Party No-Fault benefits:

If injuries result when a motorcyclist is involved in an accident with a moving motor vehicle, the motorcyclist qualifies for first party No-Fault or personal injury protection (PIP) benefits. First party No-Fault benefits include:

 

 

  • Medical expenses for life for treatment related to injuries sustained in the motorcycle accident;
  • Wage loss benefits for a period of up to three years following the accident. If you qualify, the insurance company must pay you 85% of your lost wages per month for up to three (3) years;
  • Household replacement services (chores/help with children);
  • Medical mileage for mileage driven to and from doctor’s appointments, etc;
  • Attendant care (home health aide, monitoring of the injured person, dispensing medications, bathing, assisting with toileting, etc. Attendant care can be provided by a private nursing company or can be provided by family members.

The statute of limitations for making a first party No-Fault claim is one (1) year from the date of the motorcycle accident.

Third Party or Negligence Claim:

There may also be a Third-party or negligence claim against the negligent driver that was responsible for causing the accident with the motorcycle. The recoverable damages in a Third-Party or negligence claim include pain and suffering damages as well as excess economic benefits.

The statute of limitations for making a third-party or negligence claim is three (3) years from the date of the motorcycle accident.

Which insurance company is responsible to pay first party No-Fault benefits relating to injuries sustained in a motorcycle accident?

In Michigan, there is an order of priorities as to which insurance company must pay first party No-Fault benefits relating to injuries sustained in a motorcycle accident. The order of priorities is as follows:

  1. The insurance company of the owner of the motor vehicle involved in the accident with the motorcycle.
  2. The insurance company of the driver of the motor vehicle involved in the accident with the motorcycle.
  3. The automobile/car insurance company of the motorcycle operator.
  4. The automobile/car insurance of the motorcycle owner.
  5. The automobile/car insurance company of a resident relative of the motorcyclist involved in the accident.
  6. The Michigan Assigned Claims Facility.

 

For more information, give Rick a call at
855-647-4337
or send an email

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