Gabriel Lependorf David Silverstein (609) 240-0040
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New Jersey Motorcycle Insurance Attorneys

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Help for People Dealing with Motorcycle Insurance Issues

New Jersey has insurance requirements specific to motorcyclists. However, even if you comply with all of the necessary requirements, it is likely another motorist’s insurance will fight your claim after a collision. Even your own insurance company can deny a perfectly legitimate claim simply because they do not want to pay what they owe for your coverage. Insurance companies are businesses, after all, and it’s in their best interests to keep as much money as possible and post higher profits.

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When you start getting the runaround from any insurance company, your own or another driver’s, you need an experienced NJ motorcycle lawyer to represent you and fight for your rights. Call Lependorf & Silverstein, P.C., at (609) 240-0040 to discuss your situation and learn about your options.

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New Jersey Motorcycle Insurance Requirements

There are three minimum insurance requirements you must meet when operating a motorcycle in New Jersey:

  • $15,000 liability coverage for bodily injury per person,
  • $30,000 liability coverage for total bodily injuries, and
  • $5,000 liability coverage for property damage.

These are just liability requirements and do not cover damage to your motorcycle or medical bills you sustain. Nor is there comprehensive coverage required to protect your motorcycle in case of non-collision damage. Many insurance companies in New Jersey offer comprehensive, collision, and other types of additional coverage as options beyond the minimum requirements.

It is important to comply with the minimum requirements to avoid fines, potential license suspension, and other issues. Not to mention the fact that a collision without insurance can leave you personally liable for any damage caused by your motorcycle, if you are judged “at fault.”

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Dealing with Insurance Companies

While commercials on TV make it seem like insurance companies are on your side, in reality this is far from the case. Insurance companies are businesses like any other, and the people who run them typically prioritize profit over just about anything else. When you file a claim, the standard procedure is to make every effort to deny your claim. This is true whether you are dealing with another driver’s insurer or your own.

While you certainly want to file a claim right away and follow any steps legally required to make sure you recover, do not be surprised if insurance companies do their best to not pay you money. That’s when an experienced NJ personal injury attorney comes in handy.

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When It’s Time for an Attorney

If a collision is minor, you may be able to file your insurance claim yourself, but be careful about what you say and write in any claim you file. State the facts of what happened without taking any blame for the crash – after all, you can’t know everything. You might think it was your fault, and later find out the other driver was intoxicated. That information can help your claim, but if you already took fault for the collision, then the insurance company will use it against you.

After a more serious collision, or if your claim has been denied, contact a knowledgeable NJ accident lawyer. It is far too easy to accept an offer that is much less than you deserve for your injuries. After a serious motorcycle accident, you need to make sure your rights are protected. Before you sign anything or agree to a settlement, call Lependorf & Silverstein, P.C., at (609) 240-0040 and let us fight for you.

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The firm’s principals, Gabriel R. Lependorf and David E. Silverstein, have each been representing injured victims in the State of New Jersey for over twenty five years.

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