How Insurance Works
Personal Injury Protection (PIP) benefits work differently in a motorcycle accident. PIP does not cover drivers of a motorcycle, even if you have a PIP policy for your car insurance. The medical care is paid for by the bodily injury coverage of the at-fault driver. If the at-fault driver is uninsured or under-insured, Uninsured Motorist (UM) coverage will kick in. It is very important for all motorists to carry substantial UM coverage on their insurance – especially motorcyclists!