The weather in the South has actually been quite warmer than I expected it to be during this time of year. Or really, any time of year to be honest. Which means that people are still riding their motorcycles. As I have been driving cross country, I see something new every single day. And working for an accident attorney in Southern California has taught me to look out and be more careful on the roads. Did you know that motorcycle insurance is required when you are on the road? Not only is it required, but having it can be and is a benefit. If you have been in an accident, contact a car accident lawyer in our office. Consultations are free!
Accident Attorney | What is Motorcycle Insurance?
Before we get into the importance of insurance, we need to go over what motorcycle coverage is and what it covers. Motorcycle insurance helps provide financial coverage for losses in the event of an accident. This can be anything from loss, theft, damage, etc. Motorcycle insurance can also include liability coverage in case you are responsible for someone else’s injuries.
What Does it Cover?
Like car insurance, motorcycle insurance can cover a multitude of things. For example, your standard motorcycle policy will cover some portion of the costs in case you are in an accident. In that way, you can customize your policy to include the following:
- complete replacement of your bike in case it is totaled;
- comprehensive coverage that includes damage from accidents, weather, animal damage, and even theft;
- medical payments in case you need to be hospitalized or need special medical treatment;
- uninsured/underinsured motorist coverage in case the person you get into an accident with someone who is not covered;
What you decide is completely up to you. When you choose your insurance coverage, find a balance between what you will need in order to protect yourself and what you can afford.
How Much do you Need?
How much insurance coverage you need will all depend on what you can afford. It will also depend on how you intend to use your motorcycle. Be sure to check with your state’s laws; as each state has different motorcycle insurance coverage requirements.
How it Works
Motorcycle insurance works just the same as car insurance. For instance, the amount that your insurance will cover will depend on what limits you have set when you bought your policy. Furthermore, if the amount that is claimed is more than the limits set, you will then be responsible for the rest of the costs. And depending on the amount of coverage you purchased, your policy may cover medical bills in case you are in an accident with an uninsured or underinsured motorist.
If you decide to purchase comprehensive insurance, you may be covered for losses that are not due to your accident. For example, comprehensive insurance covers your motorcycle in case of theft, water damage, etc. For example, if you have a $500 deductible and the damage from your accident costs $1500, you are responsible for the first $500. After that, your insurance should step in and take care of the expenses from there. If the damage is less than the deductible, you will not receive compensation for the claim.
Car Accident Lawyer | How Much it Costs
Like car insurance, how much your motorcycle insurance costs will depend what plan you purchase. Believe it or not, motorcycle insurance can seem expensive compared to auto insurance. The reason the rates are higher is because of the more immediate dangers motorcyclists face on the road. For instance:
- they are difficult to see on the roads and in blind spots;
- motorcycle accidents have a higher rate of serious and fatal injuries;
- they are easier to steal;
- recovery rates for stolen bikes are higher due to the fact that they tend to be sold for parts
If you want to save on insurance, consider the following:
- purchase an older bike that does not have a high value;
- buy a bike with a smaller engine;
- take a safety course;
Why it’s Important!
Motorcycle insurance not only protects you but it protects others as well as your bike. Motorcycles can be much more dangerous to operate for the following reasons:
- small and harder to see by cars;
- fast and vulnerable;
- one moment of inattention can cause an accident;
- they do not have seat belts or airbags
For all of these reasons and more, it is important for you to get motorcycle insurance coverage if you are going to be out on the road
Being in an accident, especially one that is not your fault, can be upsetting. You should never have to take your case on all by yourself. That is why the car accident lawyers at Silverthorne Attorneys are here to help. We are here to make sure our clients get the medical attention they deserve so that they can recover from their injuries. Furthermore, we believe that during your healing process, you should never have to deal with insurance adjusters.
Though being covered and continuing your coverage is important, you need to know that adjusters are not on your side. They will do everything in their power to make sure you do not get the settlement you truly deserve. That is where we come in. We have years experience dealing with them and we never back down.
If you have been injured in an accident, please do not hesitate to contact us to discuss your case. Consultations are free!