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Motorcyclists and Insurance Coverage in Virginia

As your lawyer, I do everything in my power to get you results.- Jim Hurley

Attorney at Cooper Hurley Injury Lawyers

Motorcyclists and Insurance Coverage in Virginia

If you are a motorcyclist, it’s important that you get good insurance coverage. Typically, injuries sustained in a riding accident are worse than those experienced by motorists. We hope you are never in a crash but if you are you will need to recover the most.

Many people are oblivious to insurance issues. It means they can fail to get the best coverage for them in the event of an accident. Many people don’t think they’ll ever be in an accident. In recent years we have seen more older riders on powerful machines as Harleys become more popular with the baby boomer generation.

Cooper Hurley book on motorcycle wrecks

Cooper Hurley's book about Virginia motorcycle accidents

In fact, you are likely to be involved in an accident once every 17.9 years, according to a study in Forbes.

Here are some important insurance terms from our book What You Need to Know About Motorcycle Accidents in Virginia.


Liability protects the person who causes the wreck and pays for damages caused by the wreck up to the policy limits.

Uninsured/Underinsured Motorist Coverage

If the person who causes a motorcycle wreck in Virginia, has no insurance policy or if they flee the scene and can’t be traced, this policy can protect you. It also comes into play if the person who hit you has less insurance coverage than you have.

Medical Payments Coverage

Medical payments coverage is also known as medical expense coverage or medical expense coverage. It’s an optional coverage on car or motorcycle insurance that allows for the payment of medical bills when you are injured in a motorcycle accident regardless of fault. The optional coverage allows for payment of medical bills when you are injured in a motorcycle accident, regardless of fault.

You paid for this coverage so you should use it. You should be aware that medical payments coverage applies even if you have health insurance that also covers your medical bills. Many people are unaware that they have this coverage and never inquire about possible reimbursement of their medical bills. When you use med pay, the insurance company of the driver who hit you remains responsible for the full amount of the bills as if you didn’t have this coverage.

If you have been hurt in a motorcycle crash or any other kind of wreck, please don’t hesitate to call our car accident injury lawyers in Virginia or North Carolina. Call at (757) 455-0077 or contact us here.

Griff O'Hanlon

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John Cooper

John Cooper is a veteran of personal injury law practice in Virginia. A native Virginian, he was raised in Norfolk and Virginia Beach. He has more than 20 years of experience handling personal injury cases and recently handled the largest auto accident settlement in 2010, according to VA Lawyers Weekly. The award provided $3.5 million to a child whose young father died when the vehicle he was a passenger in was rear-ended by a careless truck driver.

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Jim Hurley

Jim Hurley has been practicing law throughout Virginia for more than two-and-a-half decades. During his career, he has tried more than 100 jury trials — a staggering number — and handled hundreds more that were settled out of court. He is guided by the principle that the client is in charge of his or her case and should be kept fully aware of the litigation process. Jim has been awarded an AV Rating by Martindale-Hubbell, the highest rating given, for his practice of law. He was named in Virginia Super Lawyers in 2014, 2015, 2016.

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Bill O’mara

Bill O’Mara started his legal career in 2008, moving back to his home town of Chesapeake, VA. He has practiced in the field of plaintiffs’ personal injury and other litigation. He has gained extensive court room and trial experience, including contested trials before judges and juries across Hampton Roads. In 2014, Mr. O’Mara joined Injury Lawyers as an associate attorney. He became a partner in 2017.

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