Legal Glossary

U.S. Biker Law is committed to providing our clients with information they need to make informed decisions. Browse this page to familiarize yourself with these technical legal and insurance terms.

Bodily Injury Liability Insurance

Insurance that covers you when you are responsible for causing an accident in which passengers in your vehicle or other vehicles are injured. It also can cover your legal fees if you are sued for causing the accident.

Civil Liability

A legal obligation or responsibility that you have for causing harm to other people.

Collision Coverage

A part of your motorcycle insurance policy that covers damages done to your vehicle if you are involved in a collision.

Comprehensive Coverage

A part of your motorcycle insurance policy that covers damages that are not connected to a collision. Coverage includes damages from natural disasters such as storms, tornados, hurricanes and earthquakes, as well as theft, fire or explosions.

Damages

Money a court awards to a person who was harmed or injured by another person's negligent act.

Liability Insurance

Insurance that covers the amount of money you have to pay for the property damage or bodily injury that you caused to another person.

Medical Payments Coverage

The amount of money your insurance company will pay for medical expenses or funeral costs if you or your passenger is injured or killed in an accident.

Motorcycle License Endorsement

A license a state requires for operating a two- or three-wheel motorcycle on the road. The endorsement is placed on your driver's license or you can obtain a motorcycle-only license.

Negligence

Causing injury to someone or damages to a property by failing to act in a reasonable manner. Determining negligence depends on the facts of each case.

Personal Injury Protection

A part of your motorcycle insurance policy that covers your medical or funeral expenses, or loss of wages from an accident, regardless of who was at fault.

Property Damage Liability

A part of your auto insurance policy that covers payment for damages to the vehicle and property of someone involved in an accident that you caused.

Punitive Damages

Money a court awards to punish a defendant for the wrong they have done, which serves as a deterrent that they do not do it again.

Statutes of Limitations

A time limit set for initiating a legal proceeding, such as a lawsuit, based on an event that has occurred.

Third Party

Someone who is not directly involved with the first two parties of a lawsuit, contract or legal agreement, but may be affected by their actions.

Uninsured/Underinsured Motorist Coverage

A provision in your motorcycle insurance policy that covers you when you are involved in an accident with a person who does not have insurance or who has a limited amount of insurance, but not enough to cover the damages caused.

Wrongful Death

A claim that someone was killed due to another person's negligence.

For More Information

If you have questions about these or other legal terms, contact U.S. Biker Law for the answers you need. Use the Contact Us page on our website to get in touch with us. If you have been involved in a motorcycle accident and need immediate legal assistance, go to the Report Accident Now page of our website and let us know what happened. If you have further questions about U.S. Biker Law, go to our FAQ page for additional answers and information.

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We, at US Biker Law, will always remember the brave men and women who risked their own lives to save others during the September 11 attacks.

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