All motorcycle owners must have motorcycle insurance to cover them in case of an accident, but what does it cover? Motorcycle insurance offers slightly different benefits than regular car insurance, like personal injury protection options and laid up coverage when your motorcycle is stored in non-driving seasons. Since most motorcycles usually only carry one person, passenger protection is generally not included. Here are some other common questions you may have about motorcycle insurance.
What Does the Insurance Cover?
Standard insurance covers damage to your motorcycle and any harm or damage you do to another person on the road. It also covers damages should you be guilty of causing the accident. The most basic insurance does not include coverage for injuries you sustain, but you can add extra coverage onto your plan for that.
What Add-Ons Can Be Included?
Optional additions include coverage for a new bike if the old gets totaled, damage not caused in an accident, personal injuries and medical costs, uninsured motorists and damage to gear, such as sidecars and helmets. Add-ons can increase your monthly premiums, but they can also do a world of good if you do get in an accident. Consider how often you drive and where you drive when deciding what add-ons to include in coverage.
Is Motorcycle Insurance More Expensive Than a Car?
Just like car insurance, safer drivers can get decreased premiums. However, motorcycle insurance is generally higher because of the nature of the vehicle. The driver is exposed and more prone to serious injury in a wreck. Motorcycles are also more likely to get into accidents. All of these factors contribute to the higher rates.
How Do You Make a Motorcycle Insurance Claim?
If you get in an accident, you’ll want to inform your insurance company and make a claim. If the other driver was negligent and caused the accident, you can file a claim with their insurance. Just like car insurance, you can claim up to the limit of your coverage depending on associated costs and damages. The specifics of your claim will depend on what add-ons you have purchased.
Talk to your insurance company to discuss exactly what your coverage offers and ask about add-ons that may benefit you. If you struggle with filing a claim or are battling the insurance company for rightful compensation, reach out to a lawyer for professional advice and guidance. Every claim is different, and there may be state laws that affect your case. A local attorney or law firm, like the motorcycle accident lawyers, at David & Philpot, PL, likely have the resources to help you choose the best course of action for recovery.