There are many motorcyclists on the roads these days and many more motorcycle accidents due to increased traffic and negligence – often resulting in damage, injury, or death. Motorcycle drivers should know their rights in the event of an accident by educating themselves on the laws and their rights. If you or some one you know is involved in a motorcycle accident in New Jersey, contact the law office of Randolph Wolf. With over 25 years of experience in dealing with insurance companies, Randolph Wolf will work hard to get a fair settlement for you.
Motorcycle Accident Statistics
According to the Federal Highway Authority, about 2,500 motorcycles are involved in crashes each year on New Jersey’s roadways. Between 2003 and 2007, 377 motorcyclists died on New Jersey’s highways and motorcycle registration increased by 17%. If you are involved in a motorcycle accident in New Jersey, statistics show that you have a 75% chance of being injured.
The two most common types of motorcycle accident cases are:
A case involving negligence occurs when another party fails to exercise caution to protect the motorcyclist from harm, resulting in injury, damage, or death. The negligent driver is at fault and can be sued for damage, personal injury, and/or death of motorcyclist.
Motorcycle Manufacturing Defect
A case involving a motorcycle products liability case where there is a defect in the design or manufacture of a motorcycle or motorcycle part creates a dangerous risk of injury to the motorcyclist as well as other persons who may come into contact with it. Randolph Wolf, an experienced attorney at law, knows your rights and will protect your rights and claims in the event of a negligence or product liability suit.
All drivers in the state of New Jersey are required by law to retain insurance policies to cover injuries and/or loss in the case of an accident. The level of insurance coverage varies from policy to policy so it is wise to consult a lawyer about the type and amount of insurance coverage you possess to ensure your expenses will be covered.
Uninsured and Underinsured Coverage
Motorcycle drivers should consider purchasing additional uninsured and underinsured motorist coverage. This optional coverage provides additional coverage and protection in a case where a party is injured by another with no insurance coverage or not enough coverage to cover the cost of damages and serious injuries in a motorcycle accident.
New Jersey Helmet Law
The state of New Jersey requires by law that all persons driving or riding on a motorcycle must wear a helmet that is securely fastened with a chin strap and the correct size approved by the federal DOT. A helmet is your first and best defense against serious injuries.
Medical Bills and Loss of Income
Unlike automobile insurance, New Jersey does not require that motorcycle insurance carry coverage for medical bills and loss of income. To make matters worse, your automobile insurance policy generally does not cover medical bills or lost income which results from an accident when you are on a motorcycle, even if you are in a collision with a car.
In many cases the only coverage for medical expenses will be your own health insurance and if you do not have any you are personally liable for all of your medical bills. Unless you are covered by New Jersey State Disability or a private disability plan, you may not have the income you require to pay your bills. It is important that you review these insurance coverages before riding a motorcycle. After you are in an accident it is simply too late. Your only recourse at that point will to include the claim for medical bills and lost income in the lawsuit for the physical injuries sustained in the accident. While you may eventually get these monies back, it will not help you in the short term when you need these monies to pay your bills.