According to the Pennsylvania Department of Transportation, there were more than 835,000 licensed motorcyclists and almost 380,000 registered motorcycles in the state as of 2018. Motorcycling is a thrilling experience, but can present significant risks. Even if you are a careful motorcycle operator, you are not always visible to other vehicles on the road. A careless or negligent driver can cause you to be involved in an accident that leads to serious injuries and costly medical bills.
Take Steps to Protect Yourself When Operating a Motorcycle
Exercising safety while operating your motorcycle can minimize your risk of an accident and a severe injury. Obey the rules of the road, such as maintaining a safe speed and avoiding tailgating. Be extra cautious when riding in bad weather or heavy traffic. Wear appropriate gear such as eye protection, snug jackets and pants, gloves and non-slip footwear.
While helmets are not mandatory in Pennsylvania for riders over age 21 who have been licensed for at least two years, statistics from the Centers for Disease Control and Prevention (CDC) indicate they can reduce the risk of head injury by 69%.
Medical Insurance Coverage for Motorcyclists in PA
You will need to purchase a separate insurance policy if you own a motorcycle in Pennsylvania. But what happens if you are injured while operating your bike? The situation regarding medical benefits is different for motorcycle drivers than vehicle owners. Unlike private passenger vehicle owners, motorcycle operators typically do not have access to first-party medical coverage, also known as personal injury protection (PIP). This insurance would help to cover your medical bills regardless of who caused the accident.
Because PIP coverage usually is not available to motorcycle owners in Pennsylvania, you may need to look to your health insurance policy to cover your medical bills. Another option is filing a lawsuit against the other vehicle operator.
When Can You Sue to Recover Damages?
Medical expenses resulting from a motorcycle accident can be substantial. What can you do if you do not have sufficient medical or health insurance coverage? You may be able to sue the party that caused the incident if your injuries are severe enough to meet a certain threshold.
You and your motorcycle accident attorneys must be able to show the following to support your claim that the other driver was negligent:
- The law required the other party to drive carefully
- The other party did not drive carefully
- You were injured or experienced a loss
- The other party was responsible for your injury or loss
The Motorcycle Accident Lawyers at KBG Injury Law Can Help
If you have been injured in a motorcycle accident in the York area, the experienced, caring motorcycle accident attorneys at KBG Injury Law can provide the effective legal representation you need. We can assist you in recovering compensation that will help to cover your medical bills, as well as for any pain and suffering you may incur.
Contact us to schedule a free consultation today.