Rider Motorcycle Insurance - What You Should Know  
 
 

Rider Motorcycle Insurance - What You Should Know

In the United States you legally need to have motorcycle insurance to operate a motorcycle. However, some people continue to ride motorcycles illegally without insurance while others use the cheapest insurance they can find. Everyone knows that motorcycles are dangerous, and yet many feel that insurance is just a way to comply with the law, or make your mother happy. Having good motorcycle insurance is actually for your own benefit. If you are going to pay for a motorcycle, you might as well pay a little bit more to protect it and yourself. While riding a motorcycle is a balance of risks and rewards, failing to get proper insurance is just an increase in risk without any real rewards to be attained.

Many riders assume that if they crash while on a motorcycle, they will die. So why do they need insurance? This is totally untrue. While the chance of a fatal crash is higher on a motorcycle than in a car, most motorcycle accidents result in injury and damage to the motorcycle. If you are in a minor crash while riding your motorcycle, there is a good chance that the bike will not be operable until repaired, and that you will sustain broken bones or road rash. If you like riding your motorcycle, then you will surely want it repaired as soon as possible. Without insurance you will probably not have the funds needed to quickly repair the bike and continue riding. Also, injuries sustained in even a minor accident can cause you to miss work. Without insurance, do you really feel prepared to pay medical bills and take days, weeks, or months off of work? You can even lose your job completely. A high quality insurance plan might cost more, but it will help you deal with the expenses related to the crash, as well as the loss of income you encounter.

Many riders say that every rider will fall down eventually. While it is possible for a rider to get lucky and never have an accident on his bike, in reality most riders at least have a minor fall. A minor fall may not require extensive hospital bills, but having good insurance can help you deal with the cost of repairing the motorcycle. The HURT study found that in single-vehicle accidents motorcyclists were injured 96% of the time. This means that even if you go down without another vehicle hitting you, the chance you will be hurt is close to 100%. And in multi-vehicle accidents the injury rate jumps to 98%. Of these injuries, 45% were serious and 55% were minor. Whether the injury is serious or not, insurance can help cover doctor visits, leave from work, good physical rehabilitation, and repairs to the motorcycle.

While motorcycle insurance can be expensive, you can reduce the costs by taking additional motorcycle safety courses. There are independent motorcycle safety courses in most sates, and the DMV offers additional training as well. Most insurance companies offer discounts to riders that get additional certification beyond their motorcycle license. These savings allow you to afford better coverage while the training itself will allow you to be safer and avoid crashes more often.



 

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