Motorcycle or Motor Scooter Insurance Coverage
Explanation of Coverages
Hawaii law requires all motorcycles and motor scooters to be insured. Hawaii Revised Statutes § 431:10G-301. Motorcycle and motor scooter insurance must insure you for bodily injury coverage in the amount of $20,000.00 per person and $40,000.00 per accident if you are liable for another person’s injuries.
However, a motorcycle insurance policy is not required to include medical coverage to pay for YOUR medical expenses should YOU incur medical expenses as a result of an accident. Hawaii law does require insurance companies to offer you the opportunity to purchase up to $10,000.00 in medical coverage to pay for YOUR medical expenses that YOU incur within one (1) year from the date of the accident. This optional medical coverage will not be available to cover you if you reject the insurance company’s offer of this optional coverage.
Depending on your driving record, the actual cost for medical coverage while operating a motorcycle or motor scooter can vary. You can expect the cost to be more or less $100.00 a year for up to $10,000.00 in medical coverage. Insurance companies are also required to offer you a disability income plan should you become disabled from work because of your accident related injuries. As you can see, it’s important that you adequately protect yourself should you become injured in an accident. You should shop around and obtain quotes from different insurance companies.
Motor Vehicle Insurance Coverage While Operating a Motorcycle or Motor Scooter
Hawaii law requires all motor vehicles to have insurance, which must include at least $10,000.00 in Personal Injury Protection (“PIP”) benefits. PIP benefits covers all of your medical bills should you become injured in an accident. However, be aware that you and your passenger are NOT entitled to PIP benefits if you are injured while operating a motorcycle or motor scooter at the time of an accident unless you purchased PIP coverage and it’s included in your MOTOR VEHICLE insurance policy. Hawaii Revised Statutes § § 431:10C-304(1)(c); 431:10C-305(d)(3); and 431:10G-301(c).
Contact an Experienced Personal Injury Lawyer
No matter what your situation is, you should contact an experienced personal injury attorney. Louis P. Mendonca, Attorney at Law will fight to protect you and your family’s rights and explain to you in plain English language the insurance coverage available to protect you and your family.