Many people do not understand the huge bills and worries that come with motorcycle accidents. Many times, even bike owners aren?t aware of it until an accident has occurred. Motorcyclists should be very careful every time they get on their bike. It is necessary for the protection of their life and to avoid damage to their motorcycle.It is unfortunate that not every motorcyclist is cautious about their hobby. Even riders that are very careful are subject to the other drivers on the road. It is usually suggested to get motorcycle insurance to protect bikes and their riders due to these two factors.
Motorcycle insurance protects bikes and riders that are designed to cover the five top areas:
1) Medical bills for injuries to the rider
It covers a rider’s medical bills when they experience an injury while riding. Included here are accidents that do not involve other vehicles and collisions with multiple vehicles.
2) Property damage to the bike
It does not only cover the accident coverage for the motorcycle. It also includes vandalism and theft. Like a vehicle, it includes everything from dings and dents to coverage in accidental damage.
3) Bodily injury to others injured
Liability insurance is necessary because part of it covers injuries that you may cause to other people. When a motorcycle is part of an accident, it is usually the vehicle that has the most damage. If a motorcyclist hits a pedestrian accidentally, there may be a lot of liability charges.
4) Collision coverage
Collision coverage protects the rider if they cause an accident that creates damage to other property and vehicles.
5) Total loss or comprehensive coverage
Complete coverage gives the rider full protection and replaces the bike when it is totaled. They determine the values of the motorcycle like the values in car insurance. They use the depreciated blue book value. When riding a custom or classic bike, it may be better if you research for a particular policy that provides the stated value instead of the actual value in cash.
It is necessary to get motorcycle insurance regardless if you have a scooter, classic bike or any motorized two-wheel.
Aside from the road bike accidents, a lot of other risks may affect bike riders like flooding, vandalism, an attempt of theft, among others. It is clear that the motorcycle insurance policy is necessary to ensure that you own and ride the bike safely. Aside from the provided protection, state regulations make vehicle insurance mandatory. Check in your state if the policies require motorcycle insurance.
Aside from this, riders should never be reckless on the road or drive under the influence. Insurance may provide protection to a certain extent but always consider your life as well as the life of others as the most important factor.
At Velox Insurance, we take pride in making sure our clients are well protected at prices they can afford. To learn more about how we can help you, please contact our agency at 770-293-0623 or Click Here to request a free quote.