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Motorcycle Insurance Coverage – Don’t Ask Why, Ask How Much is Enough

Like cars and trucks, motorcycles travel on public roads. As a result, they fall in the same category of required insurance coverage, regardless of the size of the motorcycle and how fast it might go. That insurance can range from a bare minimum to a full comprehensive package. At a minimum, every state requires a motorcycle to be insured with a basic minimum coverage to protect other drivers on the road in terms of liability. The amount of that coverage varies from state to state, but it basically provides two categories of protection: medical cost coverage and property recovery.

Risk Comparisons With Reality

Interestingly, motorcycles have lower costs for insurance but have a higher rate of accident frequency and, in serious cases, fatalities. Many of the accident statistics are due to the fact that motorcycles have no protection to speak of in an impact, so the rider is fully exposed to harm. Secondly, other drivers generally don’t see motorcycles on the roads with them; numerous accidents involve car drivers who never saw the motorcycle, even when it was in their direct sight – they are simply too small to notice consistently.

Choosing the Right Coverage as a Rider

The bottom line, however, is that the insurance plan a rider chooses can really impact the outcome of an accident. Clearly, minimum coverage plans meet basic requirements in a given state, but they do very little to help recovery. At the other end of the spectrum, comprehensive plans cover far more than just the road. For example, if the motorcycle gets stolen or damaged while parked, a full plan will help get a rider back on the road. The big component that matters, however, is personal injury protection, or PIP. This is the coverage element that helps a rider get back up on his or her feet after an injury the most. With minimal or no medical coverage, a rider is really taking a chance on the road. Because of the typical severity of motorcycle accidents, it’s rare for a rider to come out of an impact unscathed.

There’s no question that the more coverage that is included in a plan, the better off a rider will be. That said, most folks are on a budget and don’t want to overpay for a risk that never happens. Ideally, comprehensive is best, but it’s also possible to work up to a better plan over time. However, riders should never go without coverage at all. There’s simply too many chances of being hit or making a mistake on a motorcycle and it turns into something serious every day. Coverage isn’t a question of whether to have it or not; it’s a metric of how much can be applied.

The Process of Filing a Personal Injury Insurance Claim

Even though you always put safety at the top of your priority list, other drivers might not do the same thing. Even seemingly minor accidents can lead to significant injuries. If you have been involved in an accident that is not your fault, you should not be responsible for all of your medical expenses. That is why you may decide to file a personal injury lawsuit against the insurance provider of the other driver.

A personal injury insurance claim can be brought by someone who has suffered injuries in a motor vehicle accident. In the lawsuit, you will seek financial compensation for any losses or injuries you might have sustained. This compensation can replace lost income, cover medical expenses, and replace property you may have lost.

If you are not at fault for the accident, you can claim that the other person was responsible and ask the insurance company to honor the insurance policy and compensate you accordingly. The insurance company will have an adjuster who investigates the facts of the accident, and you should work with a personal injury lawyer who can guide you through the process.

A personal injury lawyer can help you collect the necessary documents to put your personal injury claim in the best position possible to succeed. The lawyer can then present the evidence to the court, helping you seek as much financial compensation as possible. This could drive the insurance company to the table, helping you get a more favorable settlement.

Even though a lot of personal injury claims result in a financial settlement, a personal injury lawyer can take a look at your injuries, compare them to the insurance policy, and make sure you are compensated appropriately. This requires training and experience, so you should rely on a personal injury lawyer to assist you.

Every accident is different, and a personal injury insurance claim can be complicated. You should rely on a personal injury attorney who can help you every step of the way. That way, you receive as much financial compensation as possible. You should not speak to an insurance company without a lawyer who can advocate on your behalf. Even if you think the facts of the case are on your side, you should retain a personal injury lawyer who can assist you.