Insurance is not only a necessity for your vehicle, RV and boat, but it’s also important for your motorcycle as well. Here are some reasons why you should never overlook your motorcycle when it comes to your insurance policy:
Your State May Require It
First of all, getting motorcycle insurance just might be a requirement by your state. There are only two states—Florida and Washington—that don’t have requirements for carrying a motorcycle insurance policy. If you live in any of the other 48 states, simply taking your bike out for a quick cruise could cause you to get a ticket and a hefty fine for no proof of insurance. That said, just because you live in a state that doesn’t require motorcycle insurance, that doesn’t mean you don’t need it.
Medical Bills Are Expensive
Even if you live in Florida or Washington, you should still consider getting an insurance policy for your motorcycle. While motorcyclists are less likely to be involved in accidents than other drivers, the accidents that do occur are especially dangerous. Unfortunately, some examples of motorcycle accidents would include head-on collisions, cars that attempt to make a left turn, lane splitting and collisions between a motorcycle and a fixed object are just a few of the things that can go wrong. When these dangerous accidents occur, it definitely can cause some injuries.
Traumatic brain accidents, burns, facial lacerations, spinal cord problems, broken bones, road rash, and severe emotional trauma are all examples that can rack tens of thousands or even hundreds of thousands of dollars in medical bills. Even though the road to recovery would still be a daunting one, insurance can certainly help reimburse for these serious medical expenses.
Insurance is also crucial when you are at fault for the accident. Drivers (of motorcycles or otherwise) are always responsible for any bodily injury or property damage that they may cause. Most think of insurance as protecting their personal property. While it does that, it is also available to help you when you are liable. Costs add up quickly when legal defense is required.
Miscellaneous Expenses
Even if you’re lucky enough not to be injured in the accident, you will be much better off if you have some type of insurance if your bike has sustained some damage. Miscellaneous expenses can add up on a damaged motorcycle. Many insurance companies offer add-ons such as trip interruption coverage, which pays for lodging, food, and transportation if your bike is rendered inoperable in an accident at least 100 miles from home; coverage for the loss of custom parts; and roadside assistance.
As you can see, there is no sense in living in fear of the unknown if you can provide insurance for it. When it comes to your motorcycle, about the only way to protect it is through a solid insurance policy.
Our licensed agents are ready and available to discuss your options with you when it comes to protecting yourself and your motorcycle.
LEGAL DISCLAIMER
Views expressed here do not constitute legal advice. The information contained herein is for general guidance of matter only and not for the purpose of providing legal advice. Discussion of insurance policy language is descriptive only. Every policy has different policy language. Coverage afforded under any insurance policy issued is subject to individual policy terms and conditions. Please refer to your policy for the actual language.
