Motorcycle riding is popular in Michigan, with beautiful scenic routes and adventure-seeking riders enjoying the freedom and thrill of hitting the open road. However, motorcycle accidents occur every year, often due to mechanical faults in the bike itself.
To help protect motorcyclists and ensure their safety on the roads, Michigan law mandates specific regulations surrounding motorcycle faults and liability. As a responsible rider, it’s essential to understand your legal obligations and rights in the event of a motorcycle accident that results from a mechanical fault.
In this article, we’ll outline key considerations for motorcycle fault laws in Michigan and what you should know to stay safe and legally compliant while riding.
No-Fault Laws in Michigan
In Michigan, motorcycles are not categorized as motor vehicles, and as a result, bikers are often deprived of obtaining no-fault benefits in case of an accident, unless another motor vehicle is involved in the collision. In such cases, motorists can seek Michigan no-fault benefits through the insurance policy of the involved car or truck.
However, if the other vehicle doesn’t have insurance, motorists can still claim no-fault coverage through their own Michigan automobile policy if applicable. In cases where none of the above scenarios apply, they would be left with optional medical coverage, which they may have purchased beforehand.
It is good to understand that having a valid insurance policy is critical for all motorists in Michigan as it provides several benefits, including medical expenses, rehabilitation costs, wage loss benefits, and professional care expenses.
Therefore, it is highly recommended that all motorcyclists opt for appropriate insurance coverage to ensure financial support and stability during unfortunate occurrences like accidents. Or, for more help or information on these laws, find a motorcycle accident lawyer in Southfield, MI, to answer any questions you may have.
Will Liability Insurance Cover an At-Fault Motorcycle Accident?
In Michigan, all motorcyclists must have insurance that provides liability coverage in the event they cause an automobile crash resulting in death, bodily injury, or property damage. Under Michigan law, the minimum liability limits for motorcyclists are set at $250,000/$500,000.
But, it is important to note that motorcyclists have the option to choose lower limits of $50,000/$100,000. The liability coverage is designed to protect motorcyclists from financial losses that may result from accidents they cause. Its purpose is to provide coverage for the expenses incurred due to the accident, including medical bills, property destroyed, lost wages, and legal representation fees.
Helmet Laws in Michigan
In the state of Michigan, individuals who operate a motorcycle have the option to choose whether or not they want to wear a helmet while riding. However, this choice is only available to some.
To be eligible to opt out of wearing a helmet, you must be at least 21 years of age and have either $20,000 in first-party medical benefits or have passed an approved motorcycle safety course. Additionally, you must have held your motorcycle endorsement for at least 2 whole years.
Additionally, if you’re a passenger that’s at least 21 years old and has $20,000 in first-party medical benefits in addition to the motorcycle operator’s insurance, you may choose not to wear a helmet. Although keeping all factors in mind, it’s best for all passengers, regardless of age or medical insurance coverage, to wear a helmet for their safety.
This law was enacted to give riders more freedom on the road, but it’s essential to recognize the risks associated with motorcycle riding. Without a helmet, a rider is at a higher risk of sustaining a head injury in the event of an accident
How Are Damages Compensated Under No-Fault Laws?
When a motorcycle is involved in a collision, the damages incurred are not covered under the no-fault law. This means that the motorcycle’s owner will have to pay for the repair or replacement expenses out of pocket.
If the driver of the motorcycle who is responsible for the accident does not have no-fault insurance, they may be held accountable for the cost of the other party’s vehicle damages. It’s important to note that the personal injury protection (PIP) benefit of no-fault coverage does not extend to motorcycles in most states.
This is why it’s required for motorcycle owners to have liability insurance. This coverage helps protect them against financial loss if they are liable for causing an accident resulting in property damage or bodily injury to others.
In addition, it’s advisable to invest in collision and comprehensive coverage, which will pay for damage to the owner’s motorcycle, regardless of who is at fault.
What Is the Statute of Limitations for Motorcycle Accidents in Michigan?
In Michigan, the statute of limitation for filing a lawsuit after a motorcycle accident is strictly enforced. For individuals who have been involved in a motorcycle accident, it is crucial to understand the timeline for filing a lawsuit and obtaining no-fault benefits.
Pursuant to Michigan law, you have three years from the date of the accident to file your case and secure your no-fault benefits. The three-year statute of limitation applies to all motorcycle accident cases, regardless of whether you seek to bring an action against the other party.
The Michigan statute of limitations is a critical consideration for anyone involved in a motorcycle accident, and it is vital to seek the assistance of an experienced attorney who can guide you through the complex legal process.
Drive On, But Safely!
Ultimately, Michigan’s laws regarding motorcycle faults are in place to provide protection and ensure the safety of riders on the road. It is vital for bikers to have a good understanding of their rights and responsibilities in the event of a motorcycle accident. Let’s not forget that motorcyle crashes can lead to catastrophic injuries and terrible suffering, traumatic brain injuries and PTSD being just a few of them.
Michigan’s motorcycle fault laws are designed to protect the rights of motorcyclists and ensure that they receive fair compensation for damages and injuries. All riders need to stay vigilant and informed of these laws to protect themselves and their loved ones while enjoying the open road on two wheels.