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Motorcycle Insurance
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.
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