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 them 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 really happens when motorcycles do get into accidents?
It’s not news that many riders don’t recognize the importance of having adequate coverage for their bikes. It’s only until something has happened that will they recognize the importance of having adequate insurance coverage.
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. Make sure you continue reading as this could save you a lot of time and money down the road.
Likelihood Of An Accident
What is the likelihood of accidents happening with a motorcycle as opposed to car accidents? Well, the likelihood of motorcycle accidents is quite higher than other modes of transportation. Remember how we mentioned that 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 numbers of injuries associated with motorcycles are also soring and go 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 that much more important.
Common Motorcycle Injuries
There are a number of injuries involved with motorcycles that 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. And, while most accidents are due to the negligence of the 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, which makes motorcycle insurance a necessity.
Personal Injury Protection
It may be your fault or the other person’s fault if the accident involves two parties, but with PIP, you’re covered either way. It may also cover the passenger on the bike if you were carrying 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 covered for lost wages as well.
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, just in case. You just don’t want to be covered only for only liability and be stuck with the massive bill if your bikes gets into an accident. And after all, if you’re insured for personal injury, you can pretty much guarantee that your bike will be damaged in any accident that occurs.
Property Damage Coverage
Now, you also want to have coverage for property damage. Not all accidents involve other vehicles or pedestrians. At times, your accident may happen when you hit someone’s property or even the governments. 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 it can also cover for your bike as well.
If your love of bikes is over the top and you really 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 a lot of liabilities involved if you get in an accident. As such, you need to ensure that you have full coverage on all aspects of your bike journey.