We regularly handle claims for our clients who are struck by cars while they are travelling on motorcycles. Under Kentucky’s laws, a motorcycle rider may be entitled to recover for medical expenses, lost wages, pain and suffering, and other damages incurred when a negligent driver strikes a motorcycle.
One significant issue for motorcycle riders is whether they can receive No Fault benefits. No Fault benefits typically cover the first $10,000 in medical expenses and other out of pocket losses incurred by an injured party.
But not all motorcycle riders are entitled to these benefits. The right of a motorcycle rider to recover the benefits turns on the type of insurance covering the motorcycle. Although Kentucky law requires motorcycles to be insured, it does not require motorcycle insurance to cover No Fault benefits. Motorcycle riders are given the choice when purchasing insurance whether to cover themselves, their passengers, or only pedestrians with No Fault Coverage. And motorcycle riders can opt out of the No Fault system entirely. This is a complicated issue and usually requires a careful review of the insurance on the motorcycle.
BUT having or not having No Fault benefits is only the first question, and even without such benefits, a person injured in a motorcycle accident may still have the opportunity to recover for pain and suffering and expenses over and above the $10,000 in No Fault benefits.
If you have been injured in a motorcycle accident, you should contact us today for a free initial consultation and learn your rights.