
Hey, what’s going on guys? Today I wanted to let you know the importance of having full coverage bike insurance, especially nowadays.
I know times are tough, and the first thing cut from our arsenal as riders, is pretty much down to either track time and/or insurance. I mean, let’s face it, I sure as hell am not going to skimp on my bike payments and lose my ride! Are you?
Well, I’ve got news for some of you. Motorbike insurance isn’t a choice. You must have a policy taken out on your bike in order to drive legally. On top of that, if you do get into an accident, or if some idiot hits you, you may end up losing your bike one way or the other anyways, if you don’t have insurance.
Jobs are scarce and money is tight. Don’t add the trouble of the cost of fixing your motorcycle, or paying for someone else’s bill, to the list. Get covered.
What should you get? Well, liability coverage is mandatory. Collision insurance, comprehensive coverage and uninsured/underinsured motorist coverage are optional coverages that you may wish to add to your policy.
Liability Insurance covers any damage or injury you may cause to property or other people in the event you are deemed to be at-fault in an accident or collision. However, it doesn’t cover you or your motorcycle. Some policies may include coverage for a guest passenger as well, but this is not guaranteed.
You can also add collision insurance to your policy to cover your motorcycle if liability insurance isn’t enough to help you sleep soundly at night. Collision insurance pays for damage to your motorcycle, less your deductible. Even if the damage is your fault, this coverage will still apply.
Comprehensive Coverage protects your bike from non-accident related perils; including fire, theft and acts of vandalism.
Uninsured/Underinsured Motorist Coverage provides protection should you become involved in an accident caused by another driver, and the other driver is either without insurance or has inadequate insurance coverage. This provisional coverage will help pay for medical treatment, lost wages and other damages to you and your passengers. If your policy includes uninsured motorist property damage coverage, your bike would be protected as well.
Take your pick guys, but don’t skimp.
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