If you are one of those people who think that motorcycle rider insurance is not necessary, let me tell you a few motorcycle crash and accident statistics:
In 2006, when the last update on motorcycle statistics was released, 4,935 motorcycle riders were killed on the road due to accidents. This involves people riding all different kinds of motorcycles, and not just the ones that tend to drive very fast.
Three fourths of these accidents were with other vehicles, most often those with passengers in the vehicle.
Only less than 3% of these accidents were caused by failure of the vehicle, and a simple flat tire caused most of those 3%. Even so, motorcycle rider insurance is still necessary in this situation so that the damages, if any, that will be caused by this incident will be covered by your plan.
Most of these accidents happened on intersections, as those places are where vehicular accidents usually happen in the first place. These accidents are usually when one vehicle violated the right-of-way of the other.
Among all the ages of motorcycle riders, people ages 20-29 have the largest percentage of fatalities. The foremost reason for these accidents was speeding. While the others were not fatalities, it was found that there was severe damage caused to surrounding areas. Being covered by proper motorcycle rider insurance will make sure that all your personal liabilities are covered.
The number of motorcycle fatalities in between 1997 and 2004 rose a dramatic 89%, from 2,116 to 4,008 in only a short span of time. This is also because of the rise of the purchasing of motorcycles that were seen during that time.
72% of motorcycle fatalities among people in the age group of 40-49 involve alcohol. The largest percentage of motorcycle fatalities was found within the class of motorcycle drivers who were above the legal limit of alcohol consumption. One of the reasons that you absolutely need to get motorcycle rider insurance is because of the fact that, while you may be very responsible, other people on the road might not be the same.
There are many more reasons why you should get yourself insurance before you even decide to drive your brand new bike. These statistics alone should convince you that the road is a dangerous and unpredictable place, and while you can try your best to be the best driver you can be, you will not be able to control how other people act on the road. Be safe and make sure to enroll for a motorcycle rider insurance plan as soon as possible.
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