Not Having Motorcycle Insurance Can Cost You in the Long Run

Whether you ride your motorcycle to work every day or consider yourself a weekend warrior, you still need good insurance in the case of an accident. An unforeseen collision can not only take a toll on your health, but can also wreck your bank account. All states require riders to carry some form of insurance, although the amount of coverage you need varies by state. Going without a policy can cost you in the long run. It doesn’t pay to ride around being underinsured or having no insurance at all.
    When you’re shopping for a policy, the following four types of coverage can give you peace of mind as you conquer the open road:

     Collision. Accidents can blindside you and leave you dazed. Whether you collide with a car or a stationary object, such as a tree or a fence, collision coverage is there to protect you and your motorbike. Contact a reputable insurance carrier today to determine the amount of coverage you need.

    Comprehensive. Even if you’re an excellent rider and don’t predict you’ll ever be involved in a fender bender, there are other types of accidents that can cause damage to your valuable motorbike. Tornadoes, flooding, vandalism and theft can all wreak havoc on your beloved bike. You’ve invested time and money to maintain this well-oiled machine. Doesn’t it make sense to protect your motorcycle from other forms of damage?

    Personal injury protection. If you or your passenger are involved in an accident, paying out-of-pocket medical costs can deflate your savings. Why take that unnecessary blow to your wallet when you can gain peace of mind with personal injury protection, or PIP for short? PIP, also known as “no fault insurance” can cover necessary hospital expenses, funeral expenses and loss of income.

    Uninsured motorists. It’s devastating enough to be entangled in an accident that isn’t your fault. Adding insult to injury is when the other driver isn’t carrying insurance. Uninsured motorist coverage for riders covers any injury (and even death) caused by a driver who doesn’t carry insurance. Speak to your agent to determine your coverage requirements.

    Enthusiasts say there’s nothing more empowering than barreling down the highway on a beautiful motorbike. When you’re on the road, the last thing you want to worry about is a collision. Call your insurance agent today to investigate the policy that’s right for you.