Motorcycle Insurance and Wisconsin’s Lane-Splitting Laws: What Riders Should Know

Wisconsin traffic can get congested fast, especially around Green Bay during Packers game days or summer road construction. It’s tempting for riders to squeeze between stopped cars to save time, but doing so isn’t just risky, it’s against the law. AiA Insurance of Wisconsin wants Green Bay riders to understand exactly where the law stands and how it can affect an insurance claim if an accident occurs.

What Wisconsin Law Actually Says

Wisconsin Statute 346.595 prohibits operating a motorcycle between lanes of traffic or between adjacent rows of vehicles. The statute also limits how many motorcycles can legally ride side by side within a single lane. Unlike states such as California, Wisconsin has not adopted any exception for slow-moving or stopped traffic, so filtering between cars is treated as a straightforward traffic violation here.

Why This Matters Beyond the Ticket

A citation is only part of the concern. If a rider is involved in a crash while lane-splitting, Wisconsin’s comparative negligence rules can shift a significant portion of fault onto that rider, which may reduce what an insurer ultimately pays out on a claim.

How This Connects to Your Motorcycle Insurance

Fault determination plays a direct role in how liability and collision coverage respond after an accident. Riders in Green Bay should understand how their policy handles shared-fault scenarios before they ever need to file a claim. This ties closely into other protections we’ve discussed, including medical payments coverage for riders, which can help regardless of fault.

Staying Safe and Legal on Green Bay Roads

  • Maintain a full lane position, which Wisconsin law entitles you to as a motorcyclist
  • Avoid riding more than two abreast within a single lane
  • Keep following distance in heavy traffic rather than weaving between vehicles

Talk to AiA Insurance of Wisconsin

Understanding the rules of the road is just as important as having the right motorcycle insurance behind you. AiA Insurance of Wisconsin in Green Bay, WI helps riders review their coverage so they’re prepared no matter what the road brings. Contact AiA Insurance of Wisconsin today to make sure your policy fits how you actually ride.

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Medical Payments Coverage in Motorcycle Insurance: Protecting Yourself After an Accident

Picture this! You’re out enjoying a perfect day on your motorcycle, cruising through scenic routes and feeling the wind on your face. Then, out of nowhere, an accident happens. It’s a situation no rider wants to think about, but being prepared can make all the difference. Medical payments coverage is one way to ensure you’re ready for the unexpected. AiA Insurance of Wisconsin is here to help you understand how this coverage works and why it’s worth considering.

What Does Medical Payments Coverage Include?

Medical payments coverage, often called MedPay, is designed to cover medical expenses for you and your passengers after an accident. This can include hospital visits, ambulance rides, and even rehabilitation costs. Unlike other types of coverage, MedPay applies regardless of who is at fault, making it a reliable option for riders who want extra protection.

Why Add MedPay to Your Policy?

Motorcycle accidents can lead to unexpected medical bills, even if the injuries are minor. Health insurance may not cover everything, leaving you with out-of-pocket expenses. MedPay steps in to fill those gaps, giving you peace of mind and financial security. It’s a practical addition for riders who want to focus on recovery instead of worrying about costs.

Building a Policy That Works for You

Every rider has different needs, and your motorcycle insurance should reflect that. AiA Insurance of Wisconsin can help you customize your policy to include MedPay, liability coverage, and other options that fit your lifestyle. Having the right coverage means you’re prepared for whatever the road brings.

Want to learn more about medical payments coverage? Contact AiA Insurance of Wisconsin today to explore motorcycle insurance options that keep you protected every mile of the journey.

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