The motorcycle accident attorneys of Michigan Auto Law tell our clients that the only insurance a required for a motorcyclist is basic liability coverage for a third-party personal injury suit, according to the Michigan no-fault law. The coverage must be at least the minimum liability.
A motorcycle owner can still purchase additional optional contractual insurances, such as optional no-fault coverage, which includes medical benefits and wage loss. There are few motorcycle owners who purchase this coverage in Michigan. Keep in mind this is not the same coverage as provided by regular auto no fault (PIP) insurance.
A motorcycle owner can also purchase other insurance, such as uninsured and underinsured motorist coverage. Uninsured motorist coverage (UM) and underinsured motorist coverage (UIM) provide a valuable source of legal recovery when someone is injured in an auto accident by another driver who is uninsured or does not have adequate insurance. Without a UM or UIM policy, a driver or passengers injured by an uninsured or underinsured motorist will have no source of legal recovery, other than filing a lawsuit against the at-fault driver for his personal assets. Our motorcycle accident attorneys strongly recommend you contact your insurance agent to purchase these additional coverages if you are an owner or registrant of a motorcycle in Michigan.
Michigan Auto Law has been exclusively handling auto accident cases, including hundreds of motorcycle accident cases, for more than 50 years and three generations. We can help Michigan motorcycle accident victims and their family members better understand motorcycle insurance laws and what happens after someone has been seriously injured in a crash. To speak with a motorcycle accident lawyer directly, please call us at (800) 777-0028 for a free case evaluation.