Which Car Insurance Company Pays My Motorcycle Accident No-Fault Claim?
The rules for deciding which auto insurance company will the no-fault claim when a motorcycle is involved can be confusing. But there is a specific order to follow.
First, you always start with the insurance carrier for the owner of the motor vehicle involved in the accident. If the owner did not carry auto insurance, then you look to the auto insurance for the driver of the same vehicle.
If the owner or driver did not carry car insurance at the time of the motorcycle-motor vehicle accident, then you look to your own auto insurance to pay the claim. For example, if you are hit by an uninsured car and the driver is not insured either, and you have Citizens Insurance for your own automobiles, then Citizens Insurance is responsible for the payment of your no-fault claim.
This is very different than standard motor vehicle accident cases. In cases involving only a car or truck, you always look to your own auto insurance first for the payment of no-fault benefits. But in cases involving motorcycle accidents, this is not the case.
If the operator of the motorcycle did not have auto insurance, you next look at the auto insurance carrier for the owner of the motorcycle. If the owner has auto insurance, that carrier must pay the claim.
If there is no auto insurance at any of these levels, then the injured person must file a claim with the Michigan Assigned Claims Plan (MACP). This MACP, which is administered by the state and the insurance industry, will assign an auto insurance carrier to pay the claim.
Working with insurance companies to ensure you get the compensation you deserve can be frustrating and confusing. We can help. Please call Lee Free and speak to our motorcycle accident attorneys at 1-800-LEE-FREE (1-800-533-3733) or fill out the Free Case Evaluation Form. And remember, you pay nothing until we settle your motorcycle accident case.
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