Can I Make a Claim Against My Own Insurance for a Motorcycle Accident?

In the attached video, Elissa Fitzmartin explains whether you can file a claim against your own insurance after a motorcycle accident. This is a common question among riders, especially in Florida, where motorcycle insurance laws differ from standard auto policies. If you’ve been in a crash, understanding your coverage is critical to ensuring you receive the compensation you deserve.

One of the key differences in Florida is that motorcycles are not considered motor vehicles under the law. This means that personal injury protection (PIP), which typically covers up to $10,000 in medical expenses for car accidents, is not available for motorcyclists. Instead, riders can opt for Medical Payments Coverage (Med Pay), which acts similarly to PIP and helps cover medical expenses after an accident. Additionally, if you have health insurance, it can help pay for treatment related to your injuries.

Another important coverage to consider is Collision Coverage. If your motorcycle is damaged in an accident, this optional policy can cover repairs or replacement costs, regardless of who was at fault. Many riders prefer using their own insurance for repairs, as they may receive better service and payouts compared to dealing with another driver’s insurance provider.

Perhaps the most crucial type of coverage for motorcyclists is Uninsured/Underinsured Motorist (UM/UIM) Coverage. Since Florida does not require drivers to carry bodily injury liability insurance, many at-fault drivers may not have sufficient coverage to pay for the injuries. If you have UM/UIM coverage, you can file a claim with your own insurance company to receive compensation for medical expenses, lost wages, and other damages caused by an uninsured or underinsured driver.

Contact Our Lake Worth Motorcycle Accident Lawyers Today

Navigating insurance claims after a motorcycle accident can be complicated, but you don’t have to do it alone. If you’ve been in a crash and need help understanding your policy or making a claim, contact Warner & Fitzmartin today. We’ll review your coverage and fight to get you the compensation you deserve. Call us now at 561-803-0167 or use our online form for a free consultation!