A common question is, “Can you have a car and a motorcycle, and still collect medical benefits?” The answer is yes, but there are certain situations where this is not possible. For instance, if you have a motorcycle accident and don’t own another vehicle, you may be eligible for no-fault insurance benefits. However, you can’t have both if you’re in a collision with a car.
If you own a motorcycle and a car, you can collect no-fault medical benefits from the other vehicle. In the case of a car, this coverage depends on the type of vehicle involved and whether or not you have PIP coverage. If you don’t have PIP coverage, you can’t collect No-Fault medical benefits. You can still collect no-fault benefits if you have liability insurance.
In the case of a motorcycle, you can also claim underinsured motorist coverage. In this case, the other party does not have enough money to cover your medical costs. Underinsured motorist coverage will only cover the costs of the other driver’s deductible. Your health insurance will also cover the costs of hospitalization, deductibles, and copays. You can also get personal injury insurance to cover lost wages.