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Understanding motorcycle insurance

On Behalf of | Jul 23, 2023 | Motorcycle Accidents, Personal Injury

Motorcycles can serve as a way for you to release stress or add excitement to your life. However, getting your bike stolen or crashing it can end all of that.

Rather than worrying about it, understand your motorcycle insurance and the nuances around it.

Why you need it

For starters, you legally must have motorcycle insurance. It is also critical because your bike offers less protection from theft and crashes than a car. Specifically, your bike has no airbags or seatbelts. If you do not have a helmet on, an accident could throw you off your bike and split your head open like a melon.

On top of this, bikes are smaller and harder to see than cars. Therefore, it is possible that a car can hit you without ever seeing you. If you drive fast and maneuver between vehicles while on your bike, you increase your chances of cars not seeing you. All of these factors leave motorcycle drivers with more fatalities and serious injuries than car drivers.

What coverage the law requires

Legally, you must have liability insurance for your bike. That protects others from your driving. For example, if you hit a pedestrian and injured them, liability insurance would cover that person’s medical bills. However, liability insurance will not cover any injuries you or your bike sustain.

How much it will cost

As mentioned, motorcycles are more dangerous than cars, which means that insurance will usually cost more than an auto insurance policy. That said, the specific amount you pay will depend on your driving record and the type of bike you have.

Before your next ride, make sure you have proper insurance in place. Getting a specific motorcycle insurance policy is your best option. That will protect you if you crash your bike and sustain injuries.