Motorcycle accidents can be catastrophic. Even a small bump from a car can cause a motorcyclist to lose control of their bike and fall off. This can cause a lot of bodily damage. As such, you may be unable to work for weeks or months if you were injured in a motorcycle accident. Advantage Insurance Network, serving the greater Cincinnati, OH area, is often asked if motorcycle insurance will cover lost wages if you are unable to work because of a motorcycle accident. Here is the answer to this question.

If you are unable to work because you were involved in a motorcycle accident, your motorcycle accident coverage will typically cover your lost wages as long as a doctor states that you are unable to work for this period of time. Additionally, the lost wages fall under bodily injury. This means that you have to have enough coverage under your policy for these wages to be covered if you are at fault. For example, if your policy only covers $50,000 in bodily injury and your hospital bills amount to this amount, there will be nothing left over for your lost wages. If you were not at fault for the accident, the other driver’s insurance should kick in and help you, up to their maximum. You may also be able to sue them if you go over what their insurance covers.

As a general rule of thumb, lost wages are covered if a doctor states you are unable to work after a motorcycle accident. However, there needs to be enough coverage to cover this expense. Advantage Insurance Network, serving the greater Cincinnati, OH area can ensure you have enough coverage for catastrophic events. Call us today and let us put together the right motorcycle insurance policy for you.