Quick Answer Motorcycle accident injuries tend to be severe — road rash, fractures, herniated discs, TBI, and extremity damage. Riders are covered under the other vehicle's No-Fault insurance in New York. MAIC provides same-day comprehensive evaluation for motorcycle accident victims in the Bronx. Call (888) 991-5290.

Why Motorcycle Injuries Are More Severe

Unlike car occupants, motorcyclists have no vehicle structure absorbing impact forces. In a collision, the rider is typically ejected and sustains direct impact forces to the extremities, torso, and head. Road rash, fractures, traumatic brain injury, and internal injuries are far more common in motorcycle accidents than in equivalent-speed car collisions.

Special No-Fault Rules for Motorcyclists

This is critical: motorcycles are excluded from New York's No-Fault insurance law. If you were riding a motorcycle, your own motorcycle insurance does not provide No-Fault medical coverage. However, if you were struck by a car, you may be able to claim No-Fault benefits from the at-fault driver's auto insurance carrier, or through the Motor Vehicle Accident Indemnification Corporation (MVAIC) if the driver was uninsured.

What Coverage Is Available for Motorcyclists

  • If struck by an insured vehicle, No-Fault through the vehicle's carrier
  • Personal health insurance as primary coverage
  • personal injury if the accident occurred in the course of employment
  • A PI lawsuit through a personal injury attorney — often the primary path

MAIC evaluates coverage options for motorcycle accident patients at intake. Call (888) 991-5290 for same-day evaluation.