Motorcycle Insurance

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Motorcycle Accident Facts

  • Motorcycle-related deaths increased by 55% in the past decade
  • 4,500 people died in motorcycle accidents in 2010 alone
  • Motorcycle injuries and deaths cost about $12 billion annually
  • 2013, motorcyclist made up 15% of all traffic deaths.
  • 55% of accidents are considered at fault, 8% motorcyclist had some fault, and 36% cyclist was not at fault
  • 38% of accidents were at an intersection,
  • Peak time for crashes is between noon and 4 on Saturday and Sunday and 4 Pm to 8 PM weekdays.

You know the risks are out there: a deer crossing the street in a blind curve; drivers neglecting to check their blind spot or traveling too fast through an intersection. Motorcycle riders see these dangers each time they ride.

You can’t prevent an accident from happening, but you can be prepared. Some of the important measures that can make a difference include taking a motorcycle safety course, wearing protective gear, and making sure you have adequate motorcycle insurance.

Motorcycle Insurance Requirements

Every state in the U.S. requires motorcyclists to have liability insurance, with the exception of Washington State, Montana, and Florida.

Liability insurance pays (up to your set limits) for damages or injuries you cause in an accident, as well as your legal defense if needed. Because these costs can quickly soar to hundreds of thousands of dollars in the event of severe injuries, property damage or law suits, a good liability policy is highly recommended.

There are three primary types of insurance coverage:

  • Bodily injury Liability insurance: Covers the costs associated with injuries you are responsible for if you cause an accident.
  • Property damage liability insurance: Covers the costs associated with damage to vehicles, signs, homes and other personal property that you are responsible for in the event of an at fault accident.
  • Uninsured motorist insurance: Covers your bodily injury should the other person be at fault and not have any insurance to cover your injuries (this will not cover damage to your vehicle)

There are also several different types of coverage which may be available to you, including:

  • Collision: Covers the costs to repair or replace your damaged or destroyed vehicle after an accident. And is subject to the deductible you selected.
  • Comprehensive: Also known as “other than collision,” this portion of your policy covers damage to your vehicle from causes such as auto theft and weather damage. You would first pay the deductible you selected, then the insurance company would pay for the repairs or value to the vehicle for the remainder.
  • Customizations: Your cycle policy covers for the basic motorcycle, any customizations (even if the bike is used when purchased) should be added to your policy to ensure coverage.
  • Under insured motorist: Covers your bodily injury should the other person be at fault and they have insurance but not enough to cover your injuries. Most companies allow limits up to what you select for your bodily injury liability coverage.
  • Guest passenger: Covers bodily injury to a passenger should you be at fault in an accident.
  • Medical payments: Covers the costs of injuries for you and others in your vehicle after an accident, regardless of who was at fault.
  • Personal Injury Protection (PIP): Similar to medical payments coverage, PIP
  • coverage can pay your medical costs after an accident, regardless of fault. But PIP offers expanded coverage that includes coverage for lost wages.
  • Rental reimbursement: Pays a certain amount daily for a replacement vehicle if yours is in the shop for repairs.
  • Towing and Roadside Service Provides emergency roadside assistance and towing
  • to help you get your vehicle back on the road or to a shop for repair.