Clearwater Motorcycle Accidents and Personal Injury Protection
Distressing injuries and substantial financial burdens are possible when individuals are involved in Florida motorcycle accidents. After a crash injury, understanding your insurance coverage is crucial to ensure you receive the compensation you need to receive the necessary care.
While Personal Injury Protection (PIP) coverage is mandatory for automobile operators in Clearwater, Hudson, or Tampa, PIP coverage does not typically apply to motorcycle accident injuries, other recovery paths will need to be explored. Talking through what to do next after a motorcycle accident with a skilled attorney could lead to the most advantageous outcome.
PIP and Motorcycle Accident Injuries
A type of insurance coverage required for automobile owners in Florida, PIP coverage provides medical expense benefits and a percentage of lost income and other related expenses for individuals injured in vehicular collisions. These financial protections through PIP apply regardless of fault. But motorcycles are not considered motor vehicles under Florida law, so motorcycle owners are not required to carry PIP coverage and other insurance compensation options typically need to be accessed following an injury sustained in a motorcycle accident.
Insurance coverage that could provide you with monetary relief after a motorcycle injury:
- Motorcycle insurance. Motorcycle owners and operators could opt for motorcycle insurance. While Florida law requires motorcycle owners to have a minimum amount of liability coverage in order to provide financial protection should the insured rider be found at fault for causing injuries to others, this liability coverage does not cover the medical expenses or property damage of the insured rider.
- Uninsured/Underinsured Motorist Coverage (UM/UIM). Many motorcycle riders find UM/UIM coverage to be an essential policy as the coverage protects you if you are involved in an accident caused by a driver who either does not have insurance or lacks sufficient coverage. UM/UIM coverage is often desired because it can help fill the gap between other policies in order for the total cost of accident expenses to be covered.
- Health insurance. Because people are typically unable to access PIP coverage for motorcycle accidents, they often rely on their health insurance policy as an important source of coverage. Your health insurance, either purchased through the marketplace or obtained through your employer, can help cover medical expenses resulting from a motorcycle accident, including hospitalization, surgeries, medications, and ongoing treatments.
Be Proactive, Talk to an Attorney
Securing an appropriate settlement is an essential step towards safeguarding your financial well-being, a Florida personal injury lawyer can guide you through the process. Understanding the insurance options available and consulting with an experienced personal injury attorney can ensure that you receive the compensation you need to cover medical expenses, lost wages, pain and suffering, and other damages resulting from a motorcycle accident.
Are you wondering what policy will provide you with the compensation you need following a motorcycle injury? Bring your policies and questions to the attorneys at Roman & Roman. With over 100 years of combined experience, our attorneys will advocate for your receiving a maximum settlement amount. Schedule your fee-free, no-obligation consultation today.
Although the law firm of Roman & Roman has offices in Clearwater, Hudson and Tampa, we handle cases and claims throughout Florida. We also meet personally with our clients if at all possible, rather than impersonally over the phone or on the Internet.