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Michigan Accident Lawyer Answers Common Motorcycle Insurance Coverage Questions

With the new helmet law in effect, our Michigan motorcycle accident injury lawyers are finding that Michigan bikers have similar questions regarding the required coverage, stipulations of the law, and much more. As a resource, the attorneys at Buckfire & Buckfire, P.C. have comprised answers to commonly asked questions many motorcyclists have:

Q: Is the required medical coverage in the amount of $20,000.00 a Personal Injury Protection (PIP) coverage?

A: No. It is specific coverage required to be purchased on your motorcycle insurance policy. 

Q: Can the required medical coverage in the amount of $20,000.00 be considered satisfied if I have PIP medical coverage on my auto policy?

A: No. The medical coverage required by the new law is required on your motorcycle policy, as opposed to medical coverage you may have elsewhere, (i.e. on auto policy, health insurance, Medicare, etc.)

Q: Can I satisfy the required medical coverage if I have health insurance coverage of at least $20,000.00?

A: No. The medical coverage required by the new law is required on your motorcycle policy, as opposed to medical coverage you may have elsewhere, (i.e. on auto policy, health insurance, Medicare, etc.)

Q: If I own more than one motorcycle, is the required medical coverage in the amount of $20,000.00 necessary for each individual motorcycle policy?

A: Yes. If you want to ride each of your motorcycles without a helmet, you must have the required medical coverage on each motorcycle insurance policy covering each motorcycle.

Q: When may a passenger ride without a helmet under the new law?

A: The passenger may ride without a helmet if they are over 21 and fall into one of the following scenarios: (1) If the passenger is insured by a motorcycle policy which provides at least $20,000.00 in medical coverage which is payable in the event he/she is involved in an accident. (2) If the operator has on his/her motorcycle policy BOTH $20,000.00 in medical coverage for himself/herself AND an additional $20,000.00 in medical coverage to cover the passenger. (Ex. Medical coverage of $20,000.00 per person/ $40,000.00 per accident)

Q: Under what circumstances would an officer be able to pull me over to investigate whether my passenger and I are illegally riding without a helmet?

A: Stopping a motorcycle for “improperly” riding without a helmet would be difficult, if that is the only reason for the stop. Generally, to justify a traffic stop, an officer must have an articulable suspicion of illegal conduct. Other than a person who may appear obviously younger than 21 riding without a helmet, it would be difficult for an officer to have articulable suspicion that a person has not had an endorsement for at least two years; has not passed a motorcycle safety course; or does not have the required medical coverage on his/her policy.

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