Personal Injury Protection Exclusions for Motorcycles in New Jersey

Related Attorney: Timothy E. Dinan

March 25, 2024Personal Injury Protection Exclusions for Motorcycles in New Jersey

In the realm of auto insurance, Personal Injury Protection (PIP) policies serve as a crucial safety net, providing coverage for medical expenses and lost wages in the event of an accident. However, for motorcycle riders in New Jersey, the protection offered by PIP policies does not extend to their chosen mode of transportation.

Unlike drivers of standard motor vehicles, motorcycle riders in New Jersey are not covered by Personal Injury Protection policies. This exclusion means that in the unfortunate event of a motorcycle accident, riders cannot rely on PIP coverage to offset medical costs and lost income.

Instead, motorcycle riders must turn to their personal health insurance policies to cover medical expenses resulting from accidents. This fundamental difference in coverage underscores the importance of understanding and securing adequate health insurance coverage for riders and passengers alike.

The absence of PIP coverage for motorcycles in New Jersey places added responsibility on riders to ensure they have sufficient health insurance protection. Without the safety net provided by PIP, riders face potential financial strain in the aftermath of an accident, particularly if injuries are severe or require extensive medical treatment.

Additionally, riders may explore options such as supplemental insurance policies specifically tailored to cover medical expenses related to motorcycle accidents. These policies can provide an added layer of financial protection and peace of mind for riders and their families.

Furthermore, proactive measures such as investing in comprehensive motorcycle insurance coverage can help mitigate risks and provide additional support in the event of accidents, including coverage for property damage, liability, and uninsured motorists.

In conclusion, the exclusion of motorcycles from Personal Injury Protection policies in New Jersey highlights the importance of proactive insurance planning for riders. By securing adequate health insurance coverage and exploring supplemental insurance options, riders can better protect themselves financially and ensure they have the support they need in the event of a motorcycle accident.

Questions? Contact Tim Dinan at, or (973) 729-1880.

See our previous blog post here.