Four Common Motorcycle Accidents and Why You Need Insurance for Your Bike

If you took a poll of 1,000 motorcyclists, most would consider themselves to be safe riders. Regardless of how much judgment you use or how skillful you are, no rider is 100 percent accident-proof. According to the Governors Highway Safety Association, 82,000 Americans were injured in accidents involving motorcycles in 2010. Those statistics alone should be enough to convince the most confident rider to think twice before racing down the highway without being fully insured.
    The following is a list of the four most common motorcycle accidents, according to research, which illustrates the need for insurance for your bike.

    1) A collision while overtaking another vehicle
    2) A collision at junctions
    3) Making a left-hand turn
    4) Driving between two lanes of slowly moving or stopped vehicles
   
    If you’ve ever navigated one or more of the above risky moves without incident, statistics show that, sooner or later, you could be one of the tens of thousands of riders who eat the asphalt. In addition to those common accidents, there are other perils to be mindful of on the road – such as slick streets, wet leaves, ice. Even if your motorbike is primarily used on the weekends, you still have to consider theft of your beloved bike or your after-market accessories.
    Motorcycle insurance gives you peace of mind while you’re riding your bike and when it’s not in use. Speak to an agent today to determine which plan is best for you and how much coverage you should purchase. Comprehensive and collision insurance coverage will pay to repair or replace your motorbike in the event that it gets stolen or smashed in an accident. If you upgraded your bike after you purchased it, a comprehensive policy will replace those accessories. Your insurance carrier will explain coverage levels to you. When you buy uninsured motorist coverage, this plan will cover the cost of damages to your bike and any necessary medical treatment.
    No rider can prevent one of the four common motorcycle accidents from occurring, but when you are adequately insured, you can enjoy the open road, knowing that you’re covered in the unfortunate event of a crash.