Do I Have a Motorcycle Accident Case Even if I Don't Have Insurance?

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Michigan Motorcycle FAQs – No Insurance

If I Am Injured In A Motorcycle Accident, But I Don’t Have Insurance, Can I Still Get Compensated?

Yes. In Michigan, even if you did not have motorcycle insurance on the bike you own, you can still make a claim for pain and suffering. Unlike cases involving a car or truck, there is no requirement the owner or registrant of a motorcycle must maintain motorcycle insurance to be able to pursue a bodily injury claim for pain and suffering. However, you must still prove the other individual(s) involved in the accident were at least 50% at-fault for causing the accident to be entitled to compensation. In addition, if you did not maintain motorcycle insurance on your bike and you are involved in an accident with a motor vehicle (car or truck), you cannot make a claim for Michigan no-fault benefits, such as wage loss benefits and the payment of medical bills. Although you can still make a claim for pain and suffering compensation, you cannot make a claim for PIP benefits if you did not maintain motorcycle insurance and you were injured in an accident with a motor vehicle while riding on your own bike. The law is much simpler for motorcycle passengers or riders using a motorcycle they did not own at the time of the accident. In those situations, the passenger or rider can make a claim for pain and suffering compensation against the at-fault driver and make a claim for Michigan no-fault benefits. The rule that disallows a claim for Michigan no-fault benefits only applies to uninsured owners of a motorcycle. Michigan motorcycle accident injury cases demand specific detail and expertise. The Lee Steinberg Law Firm has been handling motorcycle accident cases throughout Michigan for over 40 years. Please call us at 1-800-LEE-FREE (1-800-533-3733) if you have any questions about Michigan motorcycle accident injury law.