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Personal Injury Accidents: How Buffalo Motorcyclists Can Protect Themselves.July 23, 2013
In our years of experience representing Buffalo and Western New York motorcyclists following personal injury accidents, we have seen the devastating personal and financial toll these accidents take on injured motorcyclists. Not only are motorcyclists more vulnerable to severe injury, but the insurance laws of New York State do not require that they receive the same financial protection as car drivers.
For car drivers and passengers, New York requires that insurance carriers provide a minimum of $50,000 in Personal Injury Protection (PIP) coverage. This is used to pay for the car occupants initial medical bills and lost wages, regardless of who caused the accident. As a result, in cases where a car occupant is suing the other driver, there is no need to wait for a personal injury lawyer to settle the case before medical bills and lost wages are – to at least some extent – paid.
New York does not require that this same coverage be provided to motorcyclists, even though they are more likely to have high medical expenses and be unable to work. As a result, motorcyclists often face bills they cannot pay. Even if they can pursue a claim against the other driver, they frequently find their credit seriously damaged and face financial hardship before the personal injury case settles.
While PIP coverage is not mandatory for motorcycles in New York State, all motorcyclists should be aware that it is available to purchase. We urge all motorcyclists to speak with their insurance providers about the possibility of purchasing PIP coverage. Even if you did not cause the collision, you need something to help pay your lost wages and initial expenses if you are in a motorcycle accident.
If you have been injured in a motorcycle accident and have questions, please call us at 716-400-0000.