In many ways, Nevada is a great place to ride a motorcycle. The terrain, scenery and climate are just a few reasons why. However, it’s wise to keep the risks in mind. Most accidents involving motorcycles cause physical injuries. It’s vital to make sure you have the right insurance that covers personal injuries resulting from a crash.
Are Injuries Covered by Motorcycle Insurance?
The answer depends on who is injured and who is responsible or "at fault" for the crash that causes the injury. Insurance coverage is different for riders, passengers, other drivers and pedestrians. One important factor is that Nevada is an at-fault state, meaning that motorists who cause accidents need to compensate the victims for their resulting injuries. If someone else causes a crash that injures you, their insurance should cover your medical treatment. If you cause a crash that injures other people, your insurance should cover their injuries. But if you’re at fault for an accident that injures you and your passengers, you won’t be covered. You’d need special insurance for that.
Types of Motorcycle Insurance
Nevada requires both motorcycle and car drivers to have basic liability insurance. It compensates for damage and injuries that you cause, but basic liability doesn’t cover your own medical treatment. Consequently, it’s important to understand that you will not receive medical reimbursement for your passengers’ or your own medical costs if you’re at fault for an accident and you only have liability coverage.
In Las Vegas, NV, motorcyclists have the option to sign up for medical payment insurance, also known as a "MedPay" policy. It covers injuries suffered by motorcycle riders and their passengers, regardless of who is at fault for a crash. Keep in mind that MedPay covers medical treatment for you and your passengers, not for other drivers involved in an accident.
Red Rock Insurance is an independent agency that serves motorcyclists throughout the Las Vegas, NV area. We can also insure any other autos you may own, including classic cars and recreational vehicles. Our highly skilled agents will help you choose the right policy, depending on the specific motorcycle you ride and how you plan to use it. Call 702-733-0330 to contact Red Rock Insurance for a quote.
