Just like any other vehicle, it’s critical to protect your motorcycle with insurance. This is especially true considering up to 1.2 million people die in car accidents around the world every year.
Motorcycle insurance can help you pay for damages in the event of an accident and also help you stay protected from liability. Here are a few other advantages motorcycle insurance has to protect you and your bike on the open road.
Coverage in the event of a collision with an uninsured motorist
There are different types of car insurance for different drivers. However, not every motorist has their vehicle covered by insurance. Or if they do they don’t always have the best insurance.
What does this mean for you? Even if your bike is properly covered by motorcycle insurance, you may still get into an accident with one of the above motorists. Therefore, you may need to rely on your own coverage to pay for the collision, your medical bills, and any lost wages in the event of an accident.
However, be sure your insurance includes uninsured/underinsured motorist coverage before you attempt to rely on this coverage. Consult your insurance agent for more information.
Protection against liability
Negligence on behalf of other motorists is often the cause of motorcycle accidents. However, in the event that you’re responsible for the personal injury or property damage of another motorist, you’ll be happy to have motorcycle insurance.
While your insurance policy may not cover you and your motorcycle should you be liable for the accident, the insurance may cover a passenger. This can be incredibly beneficial if you’re often out on the road with your friends and family. Consult your insurance agent for more information regarding your protection against liability.
Coverage for other types of damage
Motorcycles and other vehicles aren’t always damaged out on the road. Your bike may also be damaged by vandalism, theft, flooding, and house fires.
For this reason, it may be in your best interest to determine whether your insurance policy includes comprehensive coverage. This coverage protects your motorcycle in the event of damage that isn’t caused by an accident.
This type of coverage can be incredibly beneficial in the state of Florida where flooding and hurricanes are unfortunately common.
Motorcycle insurance can keep both you and your bike protected on the open road. For more information on motorcycle, motorcoach, an auto insurance contact Griffitts Insurance for an insurance quote today.