Getting involved in a motorcycle accident can leave you with terrible injuries. Apart from the repair expenses, if your motorcycle was not wrecked in the accident, you also have to worry about your medical expenses. As an uninsured motorcyclist, you can still sue the other driver and pursue claim for damages as long as you did not cause the accident.
Not having insurance as a motorcyclist is not out of the ordinary since not all states require motorcycle drivers to purchase insurance. However, according to the state law of California and all the other states, every motorcyclist is required to have the proper motorcycle insurance. Your car insurance is different from your motorcycle insurance. If the other driver has insurance, you can still sue to claim compensation for damages that you suffered from the accident.
Failing to obtain a motorcycle insurance will leave you liable for all your accident-related medical expenses, and you will not be allowed to claim for wage loss during your recovery from injuries. If you caused the accident and did not have insurance at the time, you would have to pay for the other motorist’s property damage and injuries.
One of the main advantages of having motorcycle insurance is having protection from medical expenses and damage to property expenses when you are involved in an accident. The insurance coverage for motorists varies per state. It is best to purchase motorcycle insurance for your own protection.