Massachusetts Motorcyclists: Buy the Right Types of Auto Insurance to Protect Yourself and Your Finances

MotorcyclistIt’s an unfortunate fact that drivers do not always share the road with motorcyclists. When an accident occurs, motorcyclists are more likely to suffer serious injuries, which makes it important to carry adequate auto insurance.

In Massachusetts, you must buy auto insurance for your motorcycle, just as you do for a motor vehicle. You are required to buy a minimum level - known as Compulsory Coverage - but you should buy even more to protect yourself and your family. While we hope you are never injured, it pays to have the coverage if you need it.

Below, we list the types of Compulsory Coverage you must have. We also explain a few important types of Optional Coverage you should have, including Medical Payments, Uninsured Auto, Underinsured Auto and Bodily Injury, as well as a key discount available to motorcyclists in Massachusetts.

Compulsory Coverage
These types of coverage are required in Massachusetts:
  • Bodily Injury to Others
  • Personal Injury Protection (PIP) - available for drivers of automobiles, but not for motorcyclists.
  • Bodily Injury from an Uninsured Driver
  • Damage to Another Person's Property

Insurance companies do not provide Personal Injury Protection (PIP) on motorcycle policies. This is a “no fault” coverage in Massachusetts, meaning it is available to drivers regardless of fault. It pays up to $8,000 in medical bills and lost wages for injured drivers. Since PIP is unavailable to motorcyclists, you should purchase an adequate amount of Medical Payments coverage, an Optional Coverage which will cover medical expenses.

Optional Coverage
These types of coverage are optional in Massachusetts:

  • Medical Payments
  • Uninsured Auto
  • Underinsured Coverage
  • Bodily Injury
  • Property Damage
  • Collision Comprehensive

Tips for Buying Optional Coverage


Medical Payments
We strongly recommend you purchase Medical Payments Coverage. This pays for medical expenses which are not covered by other auto insurance or your health insurance. This will cover you, as well as a passenger in the event of a motorcycle accident. In addition, Medical Payments Coverage can be used to discharge health insurance liens that may be placed on your case by health insurance companies. Without Medical Payments Coverage, if a health insurance lien is placed on your case, you may have to pay the lien out of your settlement. That means you receive less money.

Uninsured Auto and Underinsured Coverage
Too often, the other driver is found at fault for an accident but has no insurance, even though it is required under Massachusetts law. Other times, drivers do not have an adequate amount to fully compensate the injured motorcyclist. These are major setbacks if you are injured and need compensation for medical bills, lost wages and pain and suffering.

If you have adequate Uninsured Auto and Underinsured Coverage, you are in a much better position to recover your damages. You can look to your own auto insurance policy for compensation. If you do make a claim for uninsured or underinsured coverage, it does not affect your policy rates. You can only buy these coverages up to the amount of bodily injury coverage, which is why you should also carry high limits for bodily injury to another person.

Bodily Injury Coverage
Bodily Injury Coverage will protect you from a personal injury claim if the tables are turned and you are found responsible for a serious accident. You can purchase up to $500,000 per person per accident. Once you purchase the minimum coverage required, increasing the coverage is not very expensive.

Other Types of Optional Coverage and Insurance Discounts

We recommend you fully explore these and other Optional Coverage options with your insurance agent each year, as well as any discounts you may qualify to receive. In Massachusetts, motorcyclists can qualify for a 10 percent insurance discount if they complete a beginner or experienced ridership course from a state-approved school. See the full list of Massachusetts Education Ridership Companies across the state.

The goal is to buy as much of the right types of insurance as you can. We explain more about Optional Coverage types in our article, “Understanding and Buying Massachusetts Car Accident Insurance.”

The Importance of Buying the Right Auto Insurance

Recovering from a motorcycle accident can be a long, painful and challenging process, but it is easier when motorcyclists have robust insurance coverage to supplement the at-fault driver’s insurance. But even with adequate insurance, you still should hire an attorney to represent your best interests after an accident.

About Breakstone, White & Gluck
With more than 100 years combined experience, attorneys Marc L. Breakstone, David W. White and Ronald E. Gluck have the experience and commitment to obtain results for motorcyclists after an injury. We have obtained several multi-million awards for injured motorcyclists and Massachusetts Lawyers Weekly has reported our settlements as among the top awards in the state. If you are a motorcyclist and have been injured, we offer a free legal consultation. Contact us today at 800-379-1244 or 617-723-7676 or use our contact form.

Our Results for Motorcyclists:
$3.75 Million - Motorcycle Accident Settlement Settlement reached for motorcyclist unable to fully return to work after crash
$3.5 Million - Motorcycle Accident and Wrongful Death Settlement Settlement reached for family of motorcyclist run over by a waste disposal truck and killed
$1.25 Million - Motorcycle Accident Settlement Settlement reached for seriously injured motorcyclist who received extensive medical care, out of work for several months
Client Reviews
David really cared about me as an individual…and he really cared about seeking the justice that needed to be sought in the case.
★★★★★
Ron got the insurance company to settle for the maximum on the policy. And so as a result of that, my son went back to school. Jeff
★★★★★
Marc just guided us through the whole process. He told us exactly what would happen and how we needed to go about doing everything. Jesenia
★★★★★
I would recommend David…The outcome of my case, I was very pleased with it. I hope I don't have another accident, but if I do we'll be back to see David. Paul
★★★★★
Ron was excellent. He was on top of everything. He answered every question. John
★★★★★
Marc was extremely professional. I felt very confident that he knew exactly what he was doing. This is his area of practice and I had total confidence in him and I actually have recommended him to other people who have been in accidents. Josh
★★★★★