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Motorcycle Insurance Essentials
Proper Motorcycle Coverage
Motorcycle insurance is much more complex than car insurance. Without the proper motorcycle insurance coverage, you risk leaving your motorcycle and your well-being unprotected. Joseph Pinizzotto Attorney at Law wants you to be well-informed about the amount of insurance you need to be a responsible rider. Take advantage of the insurance information we’ve provided here.
Many people think they have a full-coverage policy that sufficiently protects them, but they’re mistaken. Full coverage means that they have coverage in all categories – not that they have sufficient coverage.
You should have enough motorcycle insurance so that if you are badly injured in an accident and the other driver isn’t insured, you’ll be sufficiently covered.
If you have any questions about the brief descriptions provided below, please call our award-winning attorney at 732-244-0500.
Bodily Injury Liability Coverage
Bodily injury liability insurance pays for claims and lawsuits by people who are injured as a result of an accident you caused. It compensates others for pain, suffering, and economic damages such as lost wages. This insurance covers you if you're injured by another person who doesn't have insurance or has insufficient insurance to fully compensate you.
Property Damage Liability Coverage
Property damage liability covers claims and lawsuits brought forth by people whose property is damaged as a result of an accident you caused.
Collision coverage takes care of repairs to your motorcycle, whether you are at fault or not.
Comprehensive motorcycle policies cover your bike and any replacement parts needed in case of damage due to theft, vandalism, flood, or fire.
Uninsured Motorist Coverage
This type of insurance pays you for property damage or bodily injury if you are in an auto accident caused by an uninsured motorist.
Important Details About Underinsured Motorists
Underinsured motorist coverage pays you for property damage or bodily injury if you are in an accident caused by a driver who is insured but has less coverage than your underinsured motorist coverage. Your policy covers you if you are injured by another person who has insufficient insurance to fully compensate you.
Most people don't have sufficient liability insurance for their vehicles. Adequate insurance is vital when injuries from motorcycle accidents are very serious. The medical bills can be staggering and lost wages may be devastating.
Unlike uninsured coverage, underinsured coverage isn't required by law nor is it automatically included in all vehicle policies. Ask your insurance agent for it and purchase it in addition to your liability and other coverages. We recommend that you carry uninsured / underinsured motorist coverage of at least $100,000 / $300,000.