Lifestyle Magazine

Why It’s So Important to Have Good Motorcycle Insurance

By Harshil Barot @Harshil_Barot

Just like with any other vehicle, getting your motorcycle covered by an insurance provider is crucial . Although motorcyclists only make up for less than 1% of all the miles driven in the United States, motorcycles make up for 15% of all motor accident deaths since 2012.

Why It’s So Important to Have Good Motorcycle Insurance

Within all of the two-vehicle crashes involving motorcycles in 2015, 54% of them resulted in the fatality of either the driver of the motorcycle or the driver of the motor vehicle.

Motorcycle insurance can help you with vehicle repairs and health expenses after any accidents. Below are the numerous areas that motorcycle insurance covers and why it is imperative.

The high ratio of motorcycle accidents to car accidents isn't to say that motorcycle drivers aren't as good drivers. However, motorcycles do not provide the safety of a normal vehicle.

When driving a motorbike, you do not have the protection of the vehicle on either side of you, above you, below you, or in front or behind you. If you're in an accident, you're completely exposed and susceptible to whatever you are in the accident with.

In a vehicle, a simple rear-end accident might result in minor damage and little to no injuries. However, for a motorbike, it could be deadly when one or both parties in the accident are riding a motorcycle.

Why It’s So Important to Have Good Motorcycle Insurance

Insurance protects the rider in these instances to ensure that any damages from the other vehicle are taken care of by the responsible parties.

2] Property Damage and Total Loss

Given the high risk of motorcycle accidents, you are more likely to have substantial physical damage to your bike than you would with a regular vehicle. This also means that you will need a good motorcycle insurance provider to cover the costs of those repairs.

Another likely possibility with motorcycle accidents is a total loss claim. A total loss claim is when the cost of the repairs to the motorcycle or vehicle is greater than the value of it, or when it simply is not repairable. Motorcycle insurance is required in order for you to get your money to purchase a replacement for your loss.

Collison coverage is similar to property damage and total loss, except it is for the opposing party. If you are in an accident that was your fault, or that you caused, you and your insurance agency will be held liable to cover the costs of the other party's property damage or total loss amount. In these cases, insurance protects you from having to pay out the entire sum all at once.

This process will work the same way around if the driver of the other vehicle is at fault. In those cases, coverage from the right insurer will mean that you are not financially penalized.

Motorcycle accidents have a much higher fatality and injury rate than regular motor vehicle accidents. As such, an insurance provider that will cover your medical expenses caused by the accident is possibly the most crucial aspect to add to your policy.

If your injuries are severe enough, medical treatment may go beyond the initial hospital visit after the accident. This could mean surgeries and physical therapy. Some injuries may not appear until a later time.

Why It’s So Important to Have Good Motorcycle Insurance

The smallest of a motorcycle accident can result in serious injuries and even fatality, so coverage for medical bills that comes with motorcycle insurance is extremely important.

Hiring an Attorney After an Accident

If you do get into an accident, no matter who is at fault, you want to make sure to hire a local attorney who specializes in motorcycle accidents. For instance, if you live in the Tampa/Sarasota, FL area, you will want to seek out an experienced motorcycle attorney in Tampa.

Local and specialized attorneys will be able to represent you, and they will have a better familiarity with the legal rights and guarantees that you should have under local and state regulations.

They can also help you to navigate the complexities of motorcycle insurance. If need be, they can even negotiate with your providers to ensure you get the right compensation that you are due.


You Might Also Like :

Back to Featured Articles on Logo Paperblog

These articles might interest you :

  • Big Food Giants Manipulate Public Health Policy in China

    Food Giants Manipulate Public Health Policy China

    Coca-Cola is at it again. As soda sales decline in the United States and Europe, beverage companies look to emerging economies like China for growth. And, it... Read more

    The 15 January 2019 by   Dietdoctor
    DIET & WEIGHT, HEALTH, HEALTHY LIVING, MEDICINE
  • Jewellery for a Precious You

    Jewellery Precious

    Jewellery is always close to a woman’s heart. It completes her look and boost confidence. Considering the changing trends in jewellery fashion, it becomes... Read more

    The 15 January 2019 by   Dr.jenifer Sayyed
    LIFESTYLE
  • Rajshri Productions’ Next Is A Film On Friendship | Hum Chaar | Trailer

    Abhishek Dixit’s debut feature film Hum Chaar is a Bollywood film made under the banner of Rajshri’s film. Hum Chaar is written and directed by Abhishek Dixit. Read more

    The 15 January 2019 by   Themoviean
    ENTERTAINMENT, MOVIES
  • Saint Paul the First Hermit

    Saint Paul First Hermit

    Today is the feast day of Saint Paul the hermit. This is a sweet and delicate Oatmeal Bread topped with rolled oats and naturally sweetened with agave. Saint... Read more

    The 15 January 2019 by   Veronica46
    FOOD & DRINK, RECIPES
  • Irupathiyonnaam Noottaandu | Teaser | Pranav Mohanlal | Arun Gopy

    Arun Gopy’s Irupathiyonnaam Noottaandu is an upcoming Malayalam action-drama feature film starring Pranav Mohanlal and Zaya David in the lead roles. Read more

    The 15 January 2019 by   Themoviean
    ENTERTAINMENT, MOVIES
  • A Year Of Body Positivity

    Year Body Positivity

    Last January, as I sat there on New Years eve all set to make the same old resolutions I've made year after year for as long as I can remember, I realised how... Read more

    The 15 January 2019 by   Sparklesandstretchmarks
    DIARIES, SELF EXPRESSION
  • Garden Bloggers Bloom Day – Jan 2019

    Garden Bloggers Bloom 2019

    Euphorbia rigidaWhen I went out to take the photos for this blog post I was surprised at how much was in flower dotted around the garden. Read more

    The 15 January 2019 by   Patientgardener
    GARDENING, HOME

Magazine