What is the name of your state? New Jersey
I was involved in a motor vehcile accident while riding my motorcycle. The other driver was at fault. I sustained injuries (cuts, scrapes, abrasions, including a 4 inch scar on my chin). I have separate policies for my autos versus my motorcycle, all of which are registered in NJ. My auto policy includes the "lawsuit limitation" option. However, my motorcycle policy contains no such clause or condition. I have been told that my auto policy, and its lawsuit limitation, applies to my motorcycle, and therefore limits my ability to sue the at-fault driver. I do not understand why the auto policy is relevant. I maintain a separate motorcycle policy, with a different insurer, and am required to have a special motorcycle endorsement on my driver's license in the State of NJ. Why is the auto policy relevant and why doesn't the specific motorcycle policy take precedence in this case? In other words, why would I be limited in suing the other driver?
I was involved in a motor vehcile accident while riding my motorcycle. The other driver was at fault. I sustained injuries (cuts, scrapes, abrasions, including a 4 inch scar on my chin). I have separate policies for my autos versus my motorcycle, all of which are registered in NJ. My auto policy includes the "lawsuit limitation" option. However, my motorcycle policy contains no such clause or condition. I have been told that my auto policy, and its lawsuit limitation, applies to my motorcycle, and therefore limits my ability to sue the at-fault driver. I do not understand why the auto policy is relevant. I maintain a separate motorcycle policy, with a different insurer, and am required to have a special motorcycle endorsement on my driver's license in the State of NJ. Why is the auto policy relevant and why doesn't the specific motorcycle policy take precedence in this case? In other words, why would I be limited in suing the other driver?