Many bikers love the rush and thrill of speeding down a road with the wind in their hair. However, many people who see them shudder at the thought of crashing at such high speeds while on such an exposed vehicle. It’s like everyone around other than the ones on the bikes worry. But what happens when motorcycles do get into accidents?
It’s not news that many riders don’t recognize the importance of adequate bike coverage. They will not recognize the importance of having adequate insurance coverage until something has happened.
So, with that in mind, maybe it is time for you to be prepared for the worst. In this article, you will learn how important motorcycle insurance is. Ensure you continue reading, as this could save you a lot of time and money.
Likelihood Of An Accident
What is the likelihood of accidents happening with a motorcycle instead of car accidents? Well, the likelihood of motorcycle accidents is quite high compared to other modes of transportation. Remember how we mentioned bikers love to race down roads with the wind in their hair? Just from this, you can see how likely motorcycles are to be involved in accidents.
The National Highway Traffic Safety reports that an average of 4,000 people die almost every year due to motorcycle accidents. The number of injuries associated with motorcycles is also soring and goes up to around 80,000 and more almost every year. Now, those are quite strange, shocking, and scary numbers for anyone who has a bike or is looking to get one. The frequency of motorcycle accidents makes having the proper coverage much more important.
Also Read: 5 Top Insurance Mistakes To Avoid
Common Motorcycle Injuries
Several injuries involved with motorcycles make comprehensive insurance a must for anyone with a bike. Most of the injuries may leave you incapacitated and unable to pay for your treatment, and that’s when your coverage will come in handy. While most accidents are due to the negligence of motorcycle riders, others are attributed to road hazards. Unlike cars and other vehicles, motorcycles aren’t stable enough to withstand these hazards.
Common injuries among motorcyclists are brain traumas, fractures, and paralysis, and amputations may occur due to the injuries. Treating some of these injuries is also not cheap, making motorcycle insurance necessary.
Personal Injury Protection
If the accident involves two parties, it may be your fault or the other person’s fault, but with PIP, you’re covered either way. It may also cover the bike passenger if you carry one. But for this to be the case, the coverage needs to be on the high end. Also, if you have good premium coverage, you’re also covered for lost wages.
Motorcycle Coverage
Most motorcycle insurances only cover your bike’s damages up to a certain level and with major restrictions. In this case, you should get separate coverage for your bike. You don’t want to be covered only for liability and be stuck with the massive bill if your bike gets into an accident. After all, if you’re insured for personal injury, you can guarantee that your bike will be damaged in any accident.
Property Damage Coverage
Now, you also want to have coverage for property damage. Not all accidents involve other vehicles or pedestrians. Your accident may sometimes happen when you hit someone's property or government. Property damage can become quite expensive, so it isn't a bill that you want to get left with. This is where property damage insurance comes in handy. It’s not just for the object you hit but can also cover your bike.
Conclusion
If you love bikes and want to buy one, then that’s not all you should be looking at. Insurance coverage for your bike is also quite imperative, as there are many liabilities involved if you get in an accident. As such, you must ensure full coverage of all aspects of your bike journey.
