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post #1 of 5 Old Jul 21st, 2013, 8:22 am Thread Starter
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MI Insurance Question

I'm up touring the UP and yesterday while I was waiting for an available fuel pump this guy in a jeep decided to make a quick escape and guns it in reverse. I had nowhere to escape with all the cars around and the speed he moved all I could do was honk and hope. He nailed me pretty hard, pushed the bike about a foot sideways before it fell over, thank goodness for the tipover bars otherwise we could have been seriously hurt, as it was neither of us suffered so much as a twisted ankle however it appears that the entire fairing has been pushed a bit left. The bike seems fine however I suspect that there is a significant amount of damage and therefore a lot of work and cost.

So the question is with no fault insurance in MI do i get stuck holding the bag for this as an out of stater or is there some kind of provision for us non-Michignaders?

Here's for hoping, and thanks.

-Steve

2009 BMW R1200RT
2000 BMW K1200LT (was supposed to be replaced by above, but can't keep above running long enough to replace
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post #2 of 5 Old Jul 21st, 2013, 10:37 am
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Re: MI Insurance Question

No fault in Michigan does not apply to bike verse auto accidents. The auto is responsible for the total cost. Hopefully you got a police report.

Dave Selvig
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post #3 of 5 Old Jul 21st, 2013, 3:27 pm Thread Starter
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Re: MI Insurance Question

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Originally Posted by saddleman
No fault in Michigan does not apply to bike verse auto accidents. The auto is responsible for the total cost. Hopefully you got a police report.
This is good news, cop would not issue a report since it happened on private property so I will hope for the best. Thanks for the info.

-Steve

2009 BMW R1200RT
2000 BMW K1200LT (was supposed to be replaced by above, but can't keep above running long enough to replace
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post #4 of 5 Old Jul 21st, 2013, 4:04 pm
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Re: MI Insurance Question

Quote:
Originally Posted by copperstatetour
This is good news, cop would not issue a report since it happened on private property so I will hope for the best. Thanks for the info.
Last year my friend Ray's son took his bike to work on a nice spring day. It is not unusual to cancel Insurance in the winter on motorcycles in Michigan & the bike was not insured. His son was involved in a accident on his lunch break. Ray didn't think anything would be covered & when he called his insurance agent he was told that the other vehicle was responsible for everything because it was a accident between a motorcycle & a 4 wheel vehicle.

Not only did the guy's insurance have to pay for the bike they paid him for his time off work & all of his medical bills. He just turned down there first offer of over $100,000 for pain & suffering. Michigan has some very good laws for motorcyclist.

Dave Selvig
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post #5 of 5 Old Aug 19th, 2013, 6:39 pm Thread Starter
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Re: MI Insurance Question


This pretty much sums up my life, so in order to serve as that warning for all of you I will relay my experience from this latest episode.

After a few weeks of back and forth with the insurance company and researching state law I am screwed. If I had been injured they would have paid but since there was no personal injury in the accident there will likewise be no compensation. So, if you are riding around in MI and you get hit by some other idiot, make sure you have an 'injury' to claim. I should have just lied and said my back and knee issues were due to the accident, then at least they would pay for the damages to my bike but I was honest, which was my mistake.

Moral of the story: If you go riding in MI, up your insurance to $0 deductible because there is no penalty (and therefore no deterrence) for the clowns driving around up there not to run down your motorcycle in a parking lot except for a minor scuff on their bumper that will probably rub out.

-Steve

2009 BMW R1200RT
2000 BMW K1200LT (was supposed to be replaced by above, but can't keep above running long enough to replace
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