When It Comes To My Motorcycle, Do I Really Need Full Coverage Insurance?
It is mandatory to obtain insurance when purchasing a car, but not when purchasing a motorcycle. You may alternatively choose to pursue a motorbike endorsement. Nonetheless, we caution against doing so and shall outline the reasons why:
Reasons why you need motorbike insurance
Without insurance, you’ll have to rely on the other driver’s insurance company and their coverage if you’re ever in an accident. The insurance limits of the vast majority of Washington State motorists are so low that if they hit a motorcyclist, the rider would be left with significant out-of-pocket expenses that would not be covered by the insurance settlement.
Simply due to the laws of physics, a motorcycle rider who is involved in an accident is almost guaranteed to be ejected from the bike and sustain serious injuries. The severity of these wounds will exceed what would have occurred in an automobile accident. The rider’s lack of physical protection leads to serious injuries, costly damages, and an expensive case.
In Washington, the bare minimum for insurance is $25,000 per injured person. This means that the other driver’s insurance will only cover damages up to the policy’s maximum payout.
Call Khan to investigate all possible forms of insurance, have your claim settled in full, and let you get back to riding in comfort.
Bodily injury protection in the event of an accident with a driver who has insufficient insurance
- Purchasing motorbike insurance is a proactive step you may take to avoid a potentially disastrous situation. If you get bodily injury coverage for underinsured drivers, your insurer will pay for medical expenses above what the negligent driver’s insurance covers.
- Imagine that Driver A collides with Rider B, causing him to fall off his bike and sustain serious injuries, such as a fractured leg and skin rash. The insurance company for Driver A would pay $25,000, and if Rider B had chosen the more prudent option of underinsured motorists coverage amounting to $250,000, he could, with the help of an experienced personal injury lawyer, recoup that amount as well. To put this in perspective, this would increase his payout to $275,000.
- Bodily injury coverage for underinsured motorists is cheap. The average monthly premium rise has been between $5 and $10 in the past. In light of the money, it may save you in the event of an accident, that’s a little price to pay.