Latest Insurance Reforms Leaving Motorcyclists Vulnerable

As the four-door sedan struck Dave Ramirez on July 5, 2002, little did he and his wife, driving north to Traverse City know that their journey will be cut short. Their plan to spend the long weekend holiday with their friends ended up being in the hospital after the crash. Dave and his wife were riding in their custom-painted Harley Davidson when this mishap happened. Both of them were admitted to the nearby hospital where they required extensive medical care, not to mention the months of in-home nursing.

All this resulted in a staggering $1 million bill combined, but their medical bills were covered, thanks to their auto insurance policy of the respective driver who was the main culprit. But that was in 2002. Fast forward to 2019, and motorcyclists are worried that the new insurance reforms will not provide such benefits anymore.

According to the new law, there is a significant drive down in the auto insurance rates, which was supposedly one of the highest in the nation. The new policies will allow motorcyclists to buy insurances that come only with limited personal injury protection benefits. Republican-led Legislature pushed for this law, and it was eventually taken up by Democratic Gov. Gretchen Whitmer who signed it after considering the possibility of accidents in the city.

This insurance law will revoke the lifetime coverage guarantee for motorists who are involved in car accidents. Instead, their medical coverage decisions will be taken by the auto driver responsible for the crash. As per the reports of the Michigan State Police, there were over 2100 motorists who were injured in 2018 and more than 134 died in such crashes. Sadly, most of these accidents involved more than two vehicles.

According to Steve Sinas, a highly experienced estate planning lawyer, the new law cripples motorcyclists from controlling their destiny while riding. They will not be able to claim their deserved no-fault claims anymore. This will totally depend on the random nature of the accident and if the other vehicles involved in the crash has lifetime no-fault coverage or not.

While the motorists are literally being thrown down under the bus with this reform, supporters acknowledge that although this law is challenging, the main focus here is to cut down the insurance costs of the auto drivers. Since many people complain regarding the rise of auto insurance prices, this law comes as a necessary evil that leaves people divided in their opinions.