What Insurance Is Required For Michigan Motorcyclists?
Generally speaking, the only insurance 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 set by law.
However, if a motorcycle rider over the age of 21 wants to ride without a helmet, he or she may do so only if he or she has at least $20,000 in first-party medical benefits insurance coverage. (MCL 257.658(5))
Optional Personal Injury Protection (PIP) for Motorcyclists
A motorcycle owner can still purchase additional optional contractual insurances, such as optional first-party medical benefits coverage. 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.
Uninsured and Under-Insured Coverage for Motorcycle Riders
A motorcycle owner can also purchase other insurance, such as uninsured and under-insured motorist coverage. Uninsured motorist coverage (UM) and under-insured 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 under-insured 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.
Our Lawyers Can Help You
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.