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Klampe Law Firm
Southern Minnesota’s injury law firm Serving the Community Since 1972

Motorcycles and Minnesota insurance laws

There is no disputing that motorcycles are more dangerous than cars. If you drive a motorcycle, there are a few things you should keep in mind:

  • Wear a helmet and protective gear.
  • Drinking alcohol and riding a motorcycle increases risk, even if you are under the legal limit.
  • Loving the freedom of the open road does not mean you can speed or ignore other safety rules.
  • Deer cause a lot of collisions and are most present at dusk and early nightfall.

All drivers need to be extra attentive driving near motorcycles because the consequences of a mistake or bad judgment can be much more serious.

  • Give motorcycles the same or more space than a car.
  • Motorcycle lights are supposed to always be on when the motorcycle is moving. There is no reason not to have your car lights on always too – it makes you more visible.

What you need to know about Minnesota motorcycle insurance

Motorcycle insurance policies are separate from your other automobile policy. Motorcycle owners cannot turn to their insurance coverage for their car to provide them benefits they did not acquire in a motorcycle policy.

Minnesota motorcycles are required to be insured for liability – if they cause damage to others. But motorcycles are not covered by Minnesota’s “no-fault” laws, as cars are. So, there is no automatic $20,000 of medical benefit or $20,000 economic/wage loss benefit that is available for other automobiles. That is optional coverage you must elect if you want it.

All Minnesota automobiles are required to purchase uninsured motorist coverage, which protects you if you are injured by an uninsured motorist. However, this coverage is optional for motorcycles. That means if an uninsured car hurts you on a motorcycle, you are on your own to cover your losses – unless you purchased this optional uninsured motorist coverage. Think this through now; it is too late to buy this coverage after you are injured.

Of course, no one expects to get seriously hurt on a motorcycle. But it happens every week across the state. As the average age of motorcycle riders increases, so do the dangers because of the inevitable slower reflexes and reduced agility that comes with age – and the increased fragility of the aging body.

So have fun, but be smart about it. If you ride, protect yourself with the right equipment, drive smart and carry good insurance that covers your own injuries.

If you have been injured in a motorcycle collision, contact Klampe Law Firm. We know a lot of what you’ll need to know.

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