Insurance is absolutely essential for a motorcyclist. Without insurance, a motorcyclist involved in an accident may find him or herself facing medical bills and repair costs that he or she simply cannot afford. The National Highway Traffic Safety Association has reported that per mile traveled, motorcyclist were 37 times more likely to be involved in fatal accidents than passenger car drivers. These numbers are impressive in their magnitude and should not be taken lightly. There is a very real risk in operating a motorcycle and insurance is necessary to give both you and your loved ones assurance that your finances are secure in the event of an accident.
Motorcycles do not offer their operators the same safety as passenger cars because even a minor accident or small maneuver can put an exposed rider in harm's way. For motorcyclists, an insurance policy is a crucial way to ensure that if they are injured or if their property is damaged in an accident, they will have a way to pay for the damages. The threat of an accident is very real for every motorcyclist and therefore every motorcyclist should be insured.
But the reality is that not every motorcyclist is insured, much less licensed to be operating their vehicles. Insurance is also crucial for protecting others against injury or damage caused to them by a motorcyclist. Though motorcyclists are at greater risk for injury in the case of an accident, that does not negate the fact that they too can cause injury or damage in an accident.
But insurance is also crucial for non-accident claims. Motorcycles, especially sportbikes, are targeted for theft and damages while parked or not being operated. Insurance can provide coverage for the expensive investment that a motorcyclist makes when purchasing a motorcycle.
For more information on motorcycle insurance and finding a policy that suits your needs as a motorcycle rider, please visit an auto insurance rate comparison site.
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