Bradley D. Hauswirth
Motorcycle Accidents The allure of the open road beckons once the weather turns warmer, inviting motorcycle enthusiasts to embrace the exhilaration of riding. However, amidst the freedom and thrill, it's crucial to understand the nuances of insurance coverage, particularly in the event of an unfortunate accident. This is a concern that resonates deeply with many of our clients: "What benefits do I have if I am injured on my motorcycle?"
Motorcycle Insurance Coverage in Minnesota
It's a question that underscores the need for clarity and awareness. While motorcycles and cars share the requirement of state licensing, the legal landscape surrounding insurance coverage differs significantly. In Minnesota, the No-Fault Act delineates a crucial distinction that can impact riders profoundly.
Many people assume that they automatically have the same benefits available to them whether injured in a car or a motorcycle accident. However, the Minnesota No-Fault Act limits no-fault coverage for motorcycles. Under the Act, a motorcycle is excluded from being considered a "motor vehicle." Therefore, a person injured in a motorcycle crash does not automatically have a claim for No-Fault benefits.
Additionally, a person injured in a motorcycle crash does not automatically have uninsured and underinsured coverage like that which comes with a car. Motorcycle insurance only provides liability coverage for basic coverage. Accordingly, it is important to elect personal injury protection (No-Fault) coverage and uninsured and underinsured coverages in the application for insurance process to better protect yourself in the event of injury.
Injured in a Motorcycle Accident?
We Can Help Understanding and navigating these nuances can be daunting, which is why our team of experienced attorneys stands ready to assist you. We're here to provide guidance and support, ensuring that you're equipped with the knowledge and resources needed to navigate your situation with confidence. Fill out the form below or give us a call at 651-493-0426 for a free consultation with one of our experienced attorneys.
