Riding a motorcycle offers freedom and exhilaration, but it also comes with increased risks. Motorcycle accidents often result in more serious injuries than car accidents, and the aftermath can be physically, emotionally, and financially devastating.
Whether you’re a seasoned rider or just getting started, having the right motorcycle insurance coverage can make all the difference in the event of an accident. Here’s what you need to know to protect yourself.
1. Massachusetts Motorcycle Insurance Requirements
Under Massachusetts law, all motorcycle operators must carry the minimum required liability coverage:
-
Bodily Injury to Others: $20,000 per person / $40,000 per accident
-
Personal Injury Protection (PIP): Not available for motorcycles
-
Bodily Injury Caused by an Uninsured Auto: $20,000/$40,000
-
Property Damage: $5,000
But here’s the problem: This minimum coverage likely won’t come close to covering your losses after a serious crash. Riders are strongly encouraged to purchase additional coverage for full protection.
2. Key Optional Coverages Massachusetts Riders Should Strongly Consider
✔️ Uninsured/Underinsured Motorist Coverage (UM/UIM)
Massachusetts requires a minimum level of this coverage, but you can opt to increase it. If the driver who hits you doesn’t have insurance or has too little, UM/UIM helps cover:
-
Medical expenses
-
Lost wages
-
Pain and suffering
-
Long-term care
✔️ Medical Payments (MedPay)
Because PIP does not apply to motorcyclists in Massachusetts, MedPay becomes especially important. It can help cover:
-
ER visits
-
Ambulance rides
-
Follow-up care
It’s a valuable safety net for riders without strong health insurance—or high deductibles.
✔️ Collision Coverage
This pays to repair or replace your motorcycle after a crash, regardless of who was at fault.
✔️ Comprehensive Coverage
This protects your bike from non-collision damage, like:
-
Theft
-
Vandalism
-
Fire
-
Fallen trees or weather damage
✔️ Accessory & Custom Parts Coverage
If you’ve added custom parts, chrome, saddlebags, or upgraded gear, be sure your policy includes coverage beyond the basic limits.
3. After a Motorcycle Accident in Massachusetts: What You Should Do
If you’re involved in a crash, take these steps to protect your health, your finances, and your legal rights:
-
Call 911 and get medical help, even if you feel okay.
-
Get a police report. Massachusetts requires accident reporting in many cases.
-
Exchange information with any other parties.
-
Take photos and document the scene, vehicle damage, road conditions, and any visible injuries.
-
Avoid admitting fault, even casually.
-
Speak with a personal injury attorney before talking to insurance companies.
4. How a Personal Injury Lawyer Can Help
Insurance companies often undervalue motorcycle injury claims, especially when serious injuries are involved. As experienced Massachusetts personal injury attorneys, we can help:
-
Investigate the crash and identify all liable parties
-
Ensure you receive the full value of your claim
-
Handle all communication with insurers
-
Build a strong case for compensation
Whether it’s negotiating a settlement or taking your case to trial, we’re here to fight for what you deserve.
Final Thoughts
Motorcycle insurance in Massachusetts is more than a legal requirement, it’s your first line of defense if you’re ever injured on the road. Take time to review your policy, add essential coverages, and understand your rights.
If you’ve been injured in a motorcycle crash in Massachusetts, don’t go it alone. Contact the Law Offices of Robert D. Ahearn at (617) 773-8890 for a free consultation. We’re here to help you get the compensation you need to recover and move forward.
Disclaimer
This blog post is intended for informational purposes only and does not constitute legal advice. Every case is unique, and we recommend speaking with an attorney to discuss your specific situation. We are not insurance brokers or agents. For insurance-specific questions, please consult a licensed insurance professional or your provider.
