Motorcycles can be a wonderful means of transportation and for many a great recreational activity. But when a car cuts you off or stops suddenly in front of you the resulting injuries from the motorcycle crash can be severe.
If you are injured in a motorcycle crash get medical attention right away. The serious injuries affect not only you but your loved ones as well. You need to recover physically, emotionally and financially.
But how will your medical bills be paid?
All cars registered in Massachusetts are required to have medical coverage, called Personal Injury Protection (PIP) that covers medical bills for drivers and passengers. Unlike automobiles, however, motorcycles are not required to have and Insurance Companies do not provide PIP coverage. Although a motorcycle owner could purchase optional medical insurance, called Medical Payments coverage (Med Pay), which would cover reasonable and necessary medical bills most people don’t purchase this optional coverage. If you don’t have Med Pay coverage, you would then have to submit your medical bills to your health insurance for payment. Often this means out of pocket costs for deductibles and co-payments.
What if you have lost wages?
Unlike cars registered in Massachusetts, motorcycles do not have lost wage coverage on their policies. You must then make a claim for lost wages as part of a personal injury claim against the insurance policy of the automobile driver that caused the accident.
How do you make a claim against an at-fault driver?
- Under Massachusetts law, you need to prove that the other driver was more than 50 percent at fault for the accident.
- Once fault has been established and it can be proven that the other driver was more than 50 percent at fault, under Massachusetts law you then must show that you have suffered physical injury as a result of the accident.
You may recover costs and compensation associated with motorcycle injuries including:
- Medical costs
- Lost wages
- Lost earning capacity
- Scarring
- Future costs including permanent injury
- Out-of-pocket expenses
- Pain and suffering
You need to talk to an experienced motorcycle accident attorney
You need to have a good understanding of the Massachusetts laws as they pertain to the rules of the road. The laws are complicated and dealing with Insurance Companies can be difficult. You need an experienced trial attorney who is an expert on the Massachusetts rules of the road and knows how the Insurance Companies operate.
Attorney John Tramontozzi at the Tramontozzi Law Office is a former insurance defense counsel and has extensive knowledge as to how insurance companies handle motorcycle accident claims. Let his expert counsel assist you in obtaining the maximum recovery possible for your injuries.
Contact John Tramontozzi at Tramontozzi Law Office for a free initial consultation at 617-543-3951.