A Car Hit My Motorcycle, Who Pays My Medical Bills?
As the weather warms up outside, many more motorcyclists will be out on the open roads and byways. It is important for everyone to be aware of everyone else on the roads, but that is not always the case. Many New Jersey motorcycle-related accidents occur this time of the year in the United States. There can be major injuries reported when a car collides with a person on a motorcycle.
If a motorcycle is on the road and a car does not see the motorcycle, even the changing of lanes can result in a serious accident between these parties. It is important to determine who will pay for your medical bills after this type of a loss. You need to get this situation straightened out fast, to be able to manage your medical recovery, and get back to your normal every day life as soon as possible after the accident.
It Pays to Respect Safety First
New Jersey requires every motorcycle operator to wear a helmet. There is no argument being made that if you were not wearing a helmet, that you do not deserve to recover for personal injuries in those cases. But it will stand to reason that if you sustain any personal injuries after a motorcycle collision with a car or truck, you will be more seriously injured if you were not wearing a helmet.
Fault or No-Fault in New Jersey?
As it stands, New Jersey is a no-fault state. This means that if you are hit by a car while riding your motorcycle, then your own insurance will pay for your medical bills after the accident. It will not matter who is at fault. If you have an accident in a no-fault state, you pay your own bills. You will want to discuss the specifics of any insurance coverage with your insurance company. This is because there are specific rules as to what coverage will apply to your medical bills, getting reimbursement to fix a vehicle, and more.
Making a Claim with the Other Driver’s Insurance Company
If you live in a no-fault state, it may still be possible to make a claim for reimbursement to the other driver’s insurance company. The other driver’s insurance company will investigate the claim to determine if their insured was indeed at fault for your accident. The insurance company of the other person will also want to ask you specific questions about your damages, and how they were related to the accident. It is a good idea to be as detailed as possible when you answer these questions, to help the insurance company investigate the claim that you are making. After the insurer investigates your claim, they will decide if they are going to act on it or not and will let you know the result.
If you are injured as the result of an accident and being hit by another driver while on a motorcycle, you need to give us a call Sarofiem & Antoun at (201) 792–3333. We are here for you to go over your case and discuss your next steps to getting the recovery compensation that you deserve today.