Home

Statistics

FAQs

Safety Tips

Emergency Info

Choosing an Attorney

Find a Local Attorney

Building a Case

Motorcycle Insurance

Helpful Resources

In The News

Contact Us
 

Why Carry Motorcycle Insurance?

According to top motorcycle accident attorneys, in case of accidents, it is vital for motorcycle owners to have good insurance to cover themselves, passengers, the bike and other people and their property. It is the best type of protection you can provide yourself.

The laws in some states dictate that you must carry motorcycle insurance, but others do not. Check to see what is necessary where you live. According to top motorcycle accident lawyers, misunderstandings about motorcycle insurance are abundant. Even if your state has no mandatory minimum requirement, the smart biker will make sure that he or she has insurance to protect their own finances in case of an accident.



What Type of Motorcycle Insurance Should I Have?

Motorcycle accident attorneys advise that you must carry the state’s minimum requirements, if any apply. Understanding the different types of coverage will help you decide if you should have more than the minimum.

Liability Coverage: Liability for property damage and bodily injury are to cover the expenses of others should you be found at fault in an accident.

Collision Coverage: Collision covers your bike and personal effects if you are found at fault in an accident.

Comprehensive Coverage: Comprehensive covers repair or replacement of your bike should you suffer a loss due to fire, theft, vandalism or other named perils.

Personal Injury Protection (PIP) Coverage: PIP covers the cost of medical expenses, beyond what health insurance would cover, and also pays a portion of lost income for people involved in a motorcycle accident.

Uninsured/Underinsured Motorist Coverage: If you are involved in an accident where the party at fault is uninsured or under-insured, or in a case of hit-and-run, this will cover your medical costs and reimburse a potion of lost wages.

Motorcycle accident lawyers can help you get what you deserve in the case of an accident where someone else is at fault. However, it is up to you to make sure you have the appropriate coverage in case you are at-fault or the accident is hit-and-run and the driver can’t be held responsible.



What do I Need to Know about Motorcycle Insurance Claims?

Motorcycle accident attorneys always recommend that you communicate only with your own insurer. If there is an accident, any communications you have with the other party’s insurer can jeopardize your legal case. Insist you speak to a motorcycle accident lawyer first.

If you are solely at-fault or the only party involved in an accident, you do not need a motorcycle accident attorney. Making a claim through your insurance is your only recourse.



Where do I get motorcycle insurance?

Motorcycle accident lawyers suggest that you look for insurers that specialize in motorcycle insurance, but check with your car insurance provider first. You can get motorcycle coverage through an endorsement on your car policy or a special policy of its own.

You should also know that most motorcycle accident attorneys warn that if no insurance is in place and you are found liable for causing an accident, you will have to cover the other party’s expenses out-of-pocket. According to experienced motorcycle accident lawyers, this can often lead to financial ruin.

Didn't find the information you are looking for?
We would love to hear from you. We welcome any suggestions on how we can improve this website to better serve your needs. Please click here to make any comments/suggestion/feedback.

 

Home            Advertise With Us           Contact Us         Sitemap  

Disclaimer: All information offered on this website is our opinion and based on our research. We will not be held liable for any advice offered through this website, in the event the info does not hold up in the court of law. You should always seek professional legal counsel. We do our best to provide pertinent information, but the laws from one state to another do NOT coincide, and there are differences in state law that changes the details of each case.