Choosing the Right Motorcycle Insurance
Most of the motorcycle cases that we handle involve serious and permanent injuries, because the rider has less protection that a person occupying an automobile. For this reason, it is especially important that you purchase the right type of motorcycle insurance to protect yourself.
Unlike automobile insurance, insurance companies selling motorcycle policies are not required to provide medical benefits coverage, but you can often choose to purchase medical benefits coverage. When you are involved in a serious motorcycle accident the medical bills can be tremendous, and if you haven’t purchased medical benefits coverage, you are often left with significant unpaid medical bills. If you have personal health insurance, your insurance plan may pay your medical bills, but they may also seek to recover the expenses they have paid from any settlement you obtain. Therefore, when purchasing motorcycle insurance, you should make sure that you have purchased adequate medical benefits coverage.
Equally important is the purchase of Uninsured and Underinsured Motorist Coverage. You can’t control whether the person who causes your accident has minimal or no insurance, but you can choose to protect yourself by buying Uninsured or Underinsured Motorist Coverage. Buying these coverages will protect you if you are injured by someone who has no insurance or inadequate insurance.
Because motorcycle accidents tend to involve serious or permanent injuries, we often find that the wrongdoer’s liability insurance is insufficient to fairly compensate our clients. If you have purchased Underinsured Motorist Coverage, you can seek a recovery from your own policy in addition to the wrongdoer’s insurance. If you have purchased Uninsured Motorist Coverage, and the person who caused your accident has no insurance, you can make an injury claim to your own company.
You should make sure that you fully educate yourself about the types of coverage available when you are buying motorcycle insurance. By knowing the types of insurance coverage available to you, you can protect yourself from irresponsible drivers. If you have been injured in a motorcycle accident and have questions about your insurance coverage and rights, you can contact one of our personal injury attorneys for a free consultation.