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I am a motorcyclist injured in an accident caused by a cycli

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Posted: Fri Jun 19, 2009 8:30 am   Post subject: I am a motorcyclist injured in an accident caused by a cycli   I am a motorcyclist injured in an accident caused by a cyclist she is uninsured and has no assets. Should my comprehensive policy insurers pay me compensation in this case.	kenwindle New member Joined: 29 Mar 2009 Posts: 1 1.33 Dollars($)
Posted: Fri Jun 19, 2009 9:52 am   Post subject:    Hi Kenwindle, Well, I doubt if comprehensive is the answer. Collision and comprehensive coverage are known as physical damage coverage, i.e. it would pay out for the damages caused to the MV but it wouldn't compensate for injuries. Which state are you from? Are motorcyclists required to carry insurance in your state? Do you have PIP or Medpay in your policy? ~Jeremy	JeremyHolter Senior member Joined: 06 Jun 2007 Posts: 1194 210.30 Dollars($)
Posted: Fri Jun 19, 2009 3:12 pm   Post subject:    For damage to your motorcycle you would either need to have collision coverage or uninsured motorist property damage coverage. Comprehensive coverage would not apply. You mention injuries... certainly comprehensive coverage would not apply there. You'd need to have uninsured motorist bodily injury coverage or some type of medical payment coverage/P.I.P.	tcope Forum Expert Joined: 22 Nov 2006 Posts: 5065 Location: Salt Lake City, UT 272.43 Dollars($)
Posted: Fri Jun 19, 2009 8:43 pm   Post subject: I am a motorcyclist injured in an accident caused by a cycli   Hi There, This would be an Uninsured Motorist claim on your motorcycle insurance policy. Also, still considered a "collision" although with a bicycle.	sunshineva New member Joined: 16 Jun 2009 Posts: 41 15.87 Dollars($)
Posted: Fri Jun 19, 2009 9:36 pm   Post subject:    Quote: This would be an Uninsured Motorist claim on your motorcycle insurance policy. There is UMBI and UMPD (one for injury and the other to address property damage). Two different coverages to address two different things.	tcope Forum Expert Joined: 22 Nov 2006 Posts: 5065 Location: Salt Lake City, UT 272.43 Dollars($)
Posted: Fri Jun 19, 2009 11:07 pm   Post subject: Kenwidle   Do you have motorcycle medical payments coverage on your policy? If so, your would be entitled to use it to pay valid medical expenses for yourself/passenger related to the accident.	sunshineva New member Joined: 16 Jun 2009 Posts: 41 15.87 Dollars($)

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