The attorneys in Stark & Stark’s Motorcycle Injury Group have the personal experience and understanding of what it’s like to be a rider and are dedicated to advocating for your rights. Boasting more than 100 attorneys, Stark & Stark is a full-service law firm offering a wide range of legal services for both business and individuals. Since our inception in 1933, the attorneys and staff of Stark & Stark have been committed to providing the highest quality legal representation to our clients.
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If a negligent motor vehicle driver causes you to suffer injuries in a motorcycle accident in New Jersey or Pennsylvania, you will typically seek a recovery through the driver’s liability insurance. However, if you are in a hit-and-run crash or in a wreck with a driver who has no insurance, you may need to turn to your own insurance coverage. This is also true if the driver who hit you has insurance that fails to fully cover all of your losses. At Stark & Stark, we will explore all sources of compensation available to you in your motorcycle accident injury claim, including the negligent driver’s insurance and your own uninsured/underinsured motorist (UM/UIM) coverage.
If you are a motorcycle rider or passenger who was injured in a collision with a negligent motor vehicle driver, you should act quickly to protect your legal rights. 
Yes. You must carry liability insurance to cover others who may be injured or damaged by your negligent operation of your motorcycle. Under New Jersey law, you must carry at least $15,000 in coverage for any one person and $30,000 for all persons, injured in an accident. We recommend that you purchase additional liability coverage up to $100,000/$300,000. This is particularly important due to the serious injuries a passenger on your motorcycle may suffer if you have an accident. We also recommend that you carry uninsured/underinsured motorist coverage of $100,000/300,000. Please refer to the Uninsured/Underinsured Motorist Benefits Legal Guide for more information.
If you purchase “collision” coverage your insurance will pay for the damage over and above your deductible. If another driver causes the damage to your bike you would have the option of presenting the claim to that driver’s insurance company if he or she had insurance. Many drivers fail to carry adequate coverage so we recommend you cover yourself with collision coverage and a deductible you can afford.
You should purchase what is known as “comprehensive” coverage to cover your motorcycle for theft, fire and vandalism — common occurrences with motorcycles. Your insurance will pay the book value of the bicycle less a deductible or the value of the damage. Usually the deductible for fire damage is less than that for theft or vandalism.
Probably not. Some policies provide coverage for up to $1,000 in options. You can purchase insurance coverage for all of your options by providing your insurance company with itemized proof of the chrome and extras and paying an additional premium.
Immediately! You should report all accidents to your insurance company, broker or agent as soon as possible so that they are not in a position to deny any legitimate claim that you may have.
Immediately! The laws regarding accidents in New Jersey and Pennsylvania are increasingly complex and can be very confusing. Whenever you have been in an accident, as a driver or passenger, and have any questions, feel free to contact any of the accident attorneys at Stark & Stark – free of charge. Stark & Stark earns a fee only if money is collected on your behalf.
There is no automatic, standard medical payment provision with motorcycles as there is with private passenger automobiles. Most motorcycle insurance policies and agents do not offer medical bill coverage. However, some companies do offer the option to purchase $1,000.00, $2,500.00, and $5,000.00 for medical coverage. If you do not have this coverage, the answer to this question depends on the particular facts of your situation. If you are riding your own motorcycle or on a resident relative’s motorcycle when you are injured you have no medical coverage from any source OTHER THAN your personal health insurance. If you are riding on ANOTHER PERSON’S motorcycle and you also own a car with insurance then you are entitled to receive medical payments from a provision of your automobile insurance called “extended medical benefits”.
Check your policy. You should have what is called uninsured (UM) and underinsured (UIM) coverage. You should be sure to carry the same limits for UM and UIM as your liability limits. This coverage is imperative since so many drivers fail to carry insurance or enough insurance. The greater liability limits you have will allow you to protect yourself with greater UM/UIM limits. Please refer to the Uninsured/Underinsured Motorist Benefits Legal Guide for more information.
