Why do you need motorcycle insurance?

“Whether you are a hardcore motorcyclist or you only ride infrequently. Let’s look into the benefits of motorcycle insurance!”

Ride your brand new motorcycle? My recommendation is to make sure all your insurance coverage is in place. Making a decision on which motorcycle to buy is a big deal. But protecting your motorcycle is much more important. Regardless of the type of motorcycle rider you are, a casual rider, a weekend warrior, or an individual riding motorcycles for the thrills in life, the motorcycle insurance policy offers protection for not only you but also your bike – your pride and joy as well as your accessories.

Accidents are a worst-case scenario but they happen every day.

Riding a motorcycle makes you cooler than everyone else
Everybody needs to drive. Whether it is getting from one point to another in a city or in many parts of the country, riding a motorcycle – the thrill of being on a two-wheeled speed machine is the best way to do that. So we cannot simply avoid driving all together.

But we also know that motorcycles are inherently less stable and less visible yet more dangerous than cars. With approximately 9 million registered motorcycles, motorcycles make up only 3% of all registered vehicles on the road but a disproportionate number of traffic fatalities and injuries in the United States.

According to the U.S. Department of Transportation's Fatality Analysis Reporting System (FARS), there were more than 300 riders died in crashes on public roads and 35 times more deaths from motorcycle accidents than from car accidents per mile traveled annually in recent years.  Essentially, this is one of the many reasons why motorcycle insurance is necessary.

Medical Care

Speed and thrill are a large part of the appeal of riding a motorcycle, and deep in their hearts, no one wants accidents. How to protect yourself when riding a motorcycle? Of course, you need to stay vigilant, follow the law, and avoid distractions. But let’s face it, about ¾ of motorcycle accidents involve collisions with another vehicle. When motorcycles crash, it is their riders that lack the protection of an enclosed vehicle are more likely to be injured. That’s the reason why you need how to get the personalized protection.

With motorcycle insurance, your personal injuries will be protected if you are involved in a collision. In case you end up in the hospital, your motorcycle insurance may cover most, if not all, of your medical bills. If you may need an additional treatment beyond an initial hospital visit, require medical attention, or want to see a specialist, expect a lot of providers offer coverage options for this.

Injury to Others

Motorcycle insurance coverage protects both you and your property
Not only can motorcycle insurance protect you in the event of an accident, but you can also add on so much more to a policy with the right insurer.

If others are injured in an accident that is your fault or you hit someone’s mailbox and cause a big damage, you will have to compensate those involved. Your qualified insurance policy in place will kick in to help with the expenses you would otherwise incur and you are likely to be protected from certain expenses. Make sure you know what additional protection available to buy and how much it will cover.

Property Damage

Regardless of the type of motorcycle rider you are, there are a few other reasons to consider motorcycle insurance coverage.
A disaster waiting to happen to a bike enthusiast and owner without the right motorcycle insurance coverage yet wanting to get their “pride and joy” right back out on the open road after an accident. It may take months before you can ride your motorcycle again unless you have the means to fix it. An insurance coverage means that you get your bike repaired quickly and efficiently. Whether it is a 1980s style Harley, a touring bike, a sport bike, or cruiser, any bike can be insured.

However, expect the policy you choose to vary for each biker depending on the type of your motorcycle, how much you ride, and which types of add-ons you have. If your motorcycle is a total loss in the first 12 or 24 months after it is first registered, some insurers even offer you a replacement motorcycle of the same make, model, and series.

Note: For riders who live in a state where earthquakes, floods, or other major catastrophes are frequent events, my recommendation is to consider Calamity Coverage addition.
Your bike is precious to you and you love it so dearly? The very first thing to do before getting on the road with your bike is to make sure you have sufficient motorcycle insurance protection.

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