Riding a motorcycle is fun, but it can also be risky because of the actions of others on the road. Unlike other vehicles, you don't have much protection if you crash. Additionally, riding a motorcycle can be dangerous on roads with a lot of potholes or if you're riding in unsafe weather conditions. Below are some tips for staying safe while riding.

Staying Safe on a Motorcycle in Wisconsin

  • Take a Safety Course: Riding a motorcycle requires good judgment and skill, and a safety course will help you achieve that. A motorcycle safety course will teach you the rules of the road and what to do in unpredictable riding situations.
  • Wear Appropriate Gear: The right gear will protect you from debris, road rash, and the elements. Your gear should feature a helmet, leather jacket, eye protection, leather pants, over the ankle boots, and non-slip gloves. Appropriate protective gear can significantly reduce the risk of injuries or fatalities.
  • Keep Your Bike Maintained: Replace the air filter, change the oil regularly, and maintain your bike's tire pressure. Inspecting your motorcycle before you hit the road is also a good idea. Check your turn signals, headlights, taillights, fuel, brakes, handlebars, and mirrors.
  • Stay Alert: Being aware of your surroundings and riding defensively can prevent motorcycle accidents that could be caused by dangerous driving.
  • Maintain a Safe Distance: Riding too closely behind another vehicle is unsafe. It is advisable to stay a few seconds away from the car or motorcycle in front of you. This allows you enough space to stop during an emergency. Additionally, you should always have an escape route in mind if you cannot stop in time.
  • Be Visible: One of the most significant mistakes riders make is assuming they are visible to other motorists. Most motorcycle accidents are a result of drivers not seeing the motorcycle. You can stay visible by avoiding other motorists' blind spots, driving with a headlight, and wearing reflective clothing. Using your hand and turn signals can also help ensure you are visible.

Common Motorcycle Road Hazards

  • Distracted or Drunk Drivers: Although it may not be easy to identify if someone is drunk driving, it is wise to be attentive to your surroundings and take appropriate measures.
  • Rain or Snow: The hazardous weather can create slippery and unsafe road conditions. Avoid riding while it is raining or snowing.
  • Tar or Debris: Since tar has a different texture from asphalt, it can compromise traction. Additionally, parts of tire treads and other debris on the road can be hazardous to motorcycles.

Contact a Milwaukee Motorcycle Accident Attorney Today

If you or your loved one has been injured in a motorcycle accident in Wisconsin, working with a Milwaukee motorcycle accident attorney is in your best interest. 

At Natasha Misra Law, we are equipped to offer the guidance you need to know whether you are entitled to compensation. We will provide the representation you need to pursue compensation if you qualify. Contact us today to schedule a consultation.

What is Automobile Insurance?

Automobile insurance is a contractual agreement between you and your insurance company. Your insurance company promises to provide compensation for injuries or property damage that you suffer as the result of an automobile accident in exchange for a premium.  

Wisconsin drivers are required by Wisconsin’s Financial Responsibility Law to carry automobile insurance.  At minimum, your auto insurance policy must provide liability coverage for the following amounts:

  • $25,000 for injury or death of one person,
  • $50,000 for injury or death of two or more people, and
  • $10,000 for property damage.

Additionally, Wisconsin drivers are required to carry uninsured motorist coverage with a minimum bodily injury coverage of at least $25,000 for injury or death of one person and $50,000 for injury or death of two or more people.

Who Is Covered by the Automobile Insurance?

Personal automobile insurance covers you (the named insured), your spouse, other relatives living in the same household and anyone you give permission to driver your automobile unless excluded from the policy.

Types of Auto Insurance Coverage Required Under Wisconsin’s Financial Responsibility Law

Bodily Injury Liability Coverage

If you are responsible for an auto accident that injures other people, bodily injury liability coverage protects your personal assets up to the stated amount of coverage for medical expenses, lost wages, pain and suffering, as well as other losses sustained by the injured individuals. Bodily injury coverage does not cover your injuries that you experience as a result of an accident that is your fault.  

Property Damage Liability Coverage

Property damage liability coverage, on the other hand, pays for property damage that you cause as a result of a car accident.  This coverage pays for any damage up to your insurance policy’s limit.  This coverage includes damages to someone else’s vehicle, someone else’s personal property and structural damage to property you do not own such as a street sign or light pole.

Uninsured Motorist Coverage (UM)

This coverage is for you, your family and other passengers in your vehicle who sustain injuries when struck by a vehicle who has no insurance or by a hit and run driver. This coverage also covers you and your family members if injured as a pedestrian when struck by a driver with no insurance or a driver who hits you and leaves the scene of an accident. The amount covered is based on the policy limits purchased.  

Types of Auto Insurance Coverages That Are Not Required Under Wisconsin’s Financial Responsibility Law

Underinsured Motorist Coverage (UIM)

Although underinsured (UIM) coverage is not mandatory, many Wisconsin driver choose to carry this type of coverage for further protection.  You should choose to have UIM coverage in case the at fault party does not have sufficient policy limits to cover your losses. UIM coverage increases the bodily injury protection to you and the passengers in your vehicle if the limits of the at fault party are less than your UIM coverage limits.  

Medical Payments Coverage

Medical payments coverage is a benefit that pays for medical expenses or funeral expenses for you or any others injured or killed in an auto accident in your vehicle regardless of fault. This type of coverage also covers you or your family members as pedestrians if hit by a car or riding as a passenger in someone else’s vehicle.

This type of coverage is useful to pay for co-payments or deductibles that your health insurance does not cover, as well as applicable out-of-pocket expenses.  

Other Types of Auto Insurance Coverage

While Wisconsin’s Financial Responsibility Law requires drivers to carry bodily injury liability coverage, property damage liability coverage, and uninsured motorist coverage, many drivers choose to purchase more coverage than is required by law to protect their personal assets after an accident.

Collision Coverage

This coverage will repair damages to your vehicle or pay in the event your vehicle has been declared totaled from a collision with another vehicle or object, even if you are at fault for the accident.  

Even though collision coverage is not mandatory in the State of Wisconsin, financial institutions (lienholders) may require you to take out collision coverage to protect their interest at the time of a collision.

Comprehensive Coverage

Comprehensive coverage is an elective coverage that pays for damage to your vehicle caused by covered events such as theft, vandalism, flooding, hail, broken glass, falling objects and even hitting an animal such as a deer.

Contact Wisconsin Personal Injury Attorney Natasha Misra

If you have been injured in an auto accident, you should discuss your options with an experienced Milwaukee personal injury attorney. Natasha Misra Law helps Wisconsin accident victims seek the compensation they deserve for their injuries. If you have been in an accident and suffered from bodily injury or property damage, you should not have to bear the economic burden. Together, we will look at the facts of your case and uncover all potential sources of recovery.

Call our office today at (414) 635-2833 for a free consultation and speak with an experienced Milwaukee car accident lawyer.

Natasha Misra

My law practice is dedicated to helping people who have suffered injuries in accidents which were not their fault. Born and raised in Milwaukee, I come from a family of medical professionals. My background and experience help me understand and represent individuals injured in accidents.