Did you know that according to traffic statistics, if you ride a motorcycle, your chances of getting hurt in an accident are more than 10 times greater than those who face a similar fate in an automobile? If nothing else, this sounds like a perfect reason to make sure you have enough insurance to cover damages to your bike-and to you-when one of those nasty accidents creep up unexpectedly.
Riding a motorcycle can be dangerous; there's really no way around it. Not only are motorcycles difficult to see for other motorists, the helmets worn by motorcyclists offer little protection against bodily injury. Having the proper insurance plan will allow you to enjoy your hobby thoroughly and freely, knowing you're fully protected against mishaps-no matter who's at fault. In this article we will discuss the various options available for motorcycle insurance, but keep in mind that some options are not available in certain states. For detailed information about the options and restrictions in your state contact your local insurance agent.
Motorcycle Insurance: The Basics
Much the same as it is with automobile insurance, the standard motorcycle policy will usually cover the following:
Liability. Liability insurance covers you financially in the event someone else is injured while you're driving your bike. Keep in mind that in certain states you must carry a separate passenger liability policy if you intend to let people ride the bike with you. Collision. If an accident forces you to put your bike down, collision coverage is the part of your policy that will pay for any damages to your bike. Comprehensive. Comprehensive coverage will protect you against non-accident related damages or losses such as theft, vandalism, fire, wind and rain.Motorcycle Insurance: The Not-So Basics
Although some of the following options may be included with your standard motorcycle insurance policy, there's a much better likelihood that you will need to pay extra to receive this coverage. Be sure to check with your agent about each and every one of these items as you never know when you might need them:
Medical Payments. Medical payment insurance will help pay any medical costs for you or your passenger in the event of an injury. This includes hospital expenses, surgery, x-rays and dental services. Personal Injury Protection. If you become injured as the result of a motorcycle accident, expenses can mount very quickly. Personal injury protection can reimburse you for items such as medical payments, lost income and child care expenses. Be sure to ask your agent up front about personal injury protection coverage, as it is not available in all states. Uninsured Motorist. If you think nothing could be worse than having an accident, think about having an accident with a driver who is uninsured. This type of coverage protects you against this all-too-common fate. Towing. Towing is usually something you have to pay a few dollars extra for, but it may be well worth it in the long-run.Before you strap that helmet on and fire up your two-wheeled machine, make sure you're taking all the necessary safety precautions, and please, make sure you are adequately insured-a little foresight on your part now just might come in handy someday.
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