A Couple of Insurance Tips for you Sporty Riders
December 18, 2007
Insurance. What a pain in the aft. It’s kind of a way of life these days, but that doesn’t make it any easier. This probably won’t make it easier either, but it’s something important to think about.
Getting motorcycle insurance is pretty much a given, right? But what about un-insured, under-insured motorist, or even bodily injury insurance?
Two very different topics when comparing a cager to a biker. In a car, you’re not as likely to get (as badly) hurt in a light to medium crash. Not so on a bike: Your chances of injury is many times higher. For that reason, you should carry bodily injury insurance, (make sure your current M/C insurance covers this, or at least your personal health insurance does) and UM insurance. If you get whacked by an un-insured motorist, you’re on your own if you elected not to carry UM insurance. (Not all states allow you to decline UM insurance, mine does)
Before you incur large medical bills from a M/C accident, make sure you’re covered.
Getting motorcycle insurance is pretty much a given, right? But what about un-insured, under-insured motorist, or even bodily injury insurance?
Two very different topics when comparing a cager to a biker. In a car, you’re not as likely to get (as badly) hurt in a light to medium crash. Not so on a bike: Your chances of injury is many times higher. For that reason, you should carry bodily injury insurance, (make sure your current M/C insurance covers this, or at least your personal health insurance does) and UM insurance. If you get whacked by an un-insured motorist, you’re on your own if you elected not to carry UM insurance. (Not all states allow you to decline UM insurance, mine does)
Before you incur large medical bills from a M/C accident, make sure you’re covered.
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