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Add style to your car by adding a new Rim and Tire!
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Motorcycle Insurance
These days, simply being careful while out and about with your
bike and using safety gear is not the only protection you need!
Motorcycles have a far higher rate of accidents per unit
distance than cars. This is due to the exposed rider and the
fact that many automobile drivers fail to see these smaller
vehicles in the traffic stream.
Also, as the law and lawsuit trials become more and more
"complicated," you might even end up paying for the guy who was
talking on his sell phone while driving, failed to see you and
pushed you in the ditch. Of course, he had a good lawyer. And
you, ... well, your brand new bike is bits and pieces, not to
even mention being hurt from the fall.
So, you either cough up few thousand dollars for the medical
bills and fixing your bike, or contact your insurance to take
care of the bill. Your motorcycle is a major investment, one
that is certainly worth protecting. Making a smart insurance
decision is crucial for your protection and protection of your
motorcycle.
However, choosing the right insurance policy for you is much
more like choosing the right bike. You want it to fit your
lifestyle, but at the same time you want it to fit your budget.
And, better coverage does not necessarily mean paying more for
your insurance. Based on your motorcycle, driving history, and
location, instead of getting the best rate from one company,
you'll need to contact more insurance companies and get their
best rates for your coverage. And the key to finding which
coverage is best for you involves learning about all of the
available options.
Although most US states require you to carry a minimum amount of
liability coverage, other types of coverage are usually
optional. Always ask your insurance representative about which
laws apply in your state or city.
Let's look at the different options.
Liability coverage
In many countries, liability insurance is a mandatory form of
insurance since you're at risk of being sued by the injured
party being involved in the accident. Most US states require
motorcyclists to carry a minimum amount of liability in case of
third party injuries, however insurance experts recommend
purchasing as much as three times the minimum in these times of
expensive litigation. Liability coverage protects you if you (or
another person driving your car with your permission) injure or
kill someone or damage property. Liability insurance covers
bodily injury and property damage that you may cause to other
people involved in an accident, up to the limit of liability you
select. It doesn't cover you or your motorcycle. But it gives
you a protection from a lawsuit. Also, find out if your coverage
includes Guest Passenger Liability, which provides protection in
the event that a passenger is injured on the motorcycle. It
depends on the laws of your state and the company issuing the
policy.
Collision coverage
While the liability coverage is required by law, in many cases
collision coverage is optional. Why, you might ask? Collision
coverage is the one that pays for the damage to your motorcycle,
not the other guy's, and it's optional? We'll let the lawmakers
protect "the other guy" while you need a collision coverage to
pay for the damage to your motorcycle when you collide with
another vehicle or object. It covers the cost to repair or
replace your motorcycle, regardless of who is at fault. You
select a deductible, and once the deductible is met, the
insurance company pays for the remaining damage. Collision
insurance usually covers the book value of the motorcycle before
the loss occurred - factory parts. If you get fancy and add
anything extra--like nifty chrome accessories, a custom paint
job - additional coverage will be required for compensation.
Comprehensive coverage
Comprehensive coverage pays (less the deductible) for
damages
caused by circumstances other than accident, such as vandalism,
fire or theft. And again, it covers only the book value of the
motorcycle.
Uninsured motorist coverage
If the knucklehead who hit your bike is uninsured, this
insurance will cover damages you incur that the "at-fault" party
is legally liable for, such as medical treatment and lost wages.
Despite laws requiring insurance in practically every state, a
lot of people are still driving without even basic liability
coverage. The uninsured motorist section of your policy protects
you if you or your passenger is hurt by "one of those" people.
If your uninsured motorist coverage includes property damage,
then your motorcycle would also be covered under the same
circumstances - covering for damage to your motorcycle caused by
someone who does not have insurance. Check with your insurance
to see if property damage is included or needs to be purchased
separately.
Underinsured motorist coverage
Underinsured motorist coverage is similar to the uninsured
motorist coverage. This coverage reimburses you if the person
who hit you doesn't have enough insurance to cover for all of
your damages. If your injury expenses exceed the "at-fault"
person's liability limits, you can use Underinsured Motorists
Coverage to pay for the amount not covered by the person's
insurance. Underinsured Motorists coverage is designed to cover
the gap between the other person's liability limits and the
amount of your injury expenses. The trick is that in order for
this coverage to kick in, the other driver has to be declared at
fault. In most states, when blame is in doubt or the amount
payable is contested, you and your insurer have to submit your
differences to arbitration.
Medical payments coverage
Medical Payments coverage pays the cost of necessary medical
care you receive as a result of a motorcycle accident and can be
used regardless of who is at fault. This coverage often is
limited. Check with your insurance company for the specific
dollar amount and the number of years that they will cover after
the accident. In some states, medical payments coverage only
applies after other medical insurance is exhausted.
Custom parts and equipment
This coverage is an addition to your Comprehensive or Collision
coverage. When you have custom parts and equipment on your
motorcycle, you can purchase this Additional coverage to cover
equipment, up to a dollar amount defined by the insurance
company. Ask your insurance for the specific custom parts and
details that they are willing to cover. Recommendation: retain
photos of the motorcycle and all the receipts for your custom
parts and equipment.
Roadside assistance
Roadside Assistance coverage provides towing to the nearest
qualified repair facility and necessary labor at the place of
disablement when your motorcycle is disabled due to reasons
defined by the insurance company. Roadside Assistance is
sometimes included with your Comprehensive coverage at no
charge. Ask your insurance agent. If not, in most cases the
Roadside Assistance coverage can be purchased at a nominal fee.
Many factors can play a role in determining what your insurance
costs will be, such as your age, your driving record, where you
live and the type of motorcycle you own. Unless you're high
risk, there are ways to keep your costs down so you won't have
to pay very high rates. Many companies offer discounts from 10
to 15 percent on motorcycle insurance for graduates of training
courses.
In many northern states, riders may save money by buying a
"lay-up" policy. With a lay-up policy, all coverage except
comprehensive is suspended during winter months.
About the author:
For most detailed information and extensive resources on
motorcycles, please visit http://motorcycle.bestinfo4you.com.
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