Motorcycle riders are at a much higher risk of being injured or killed in an accident than are drivers in other passenger vehicles. Every motorcyclist knows that, when they head out on the road, they’re taking much greater chances with their lives than are drivers and passenger vehicle. One of the ways that motorcycle riders can make sure that they’re mitigating their risks is by having a good insurance policy. Insurance policies for motorcycle riders are usually much cheaper than they are for passenger car drivers, so getting better coverage is usually affordable for most riders.
Putting wrecks aside for a moment, remember that motorcycles are at a higher risk of being damaged even when they’re not on the road. Your bike may get knocked over in a parking lot, for example and that can end up causing thousands of dollars in damage. A motorcycle is also a tempting target for thieves, so you have to factor this into the equation, as well. Comprehensive coverage is usually good for motorcyclists. This ensures that you can get compensated for accidental damage and theft.
Most policies will allow you to add on some extra medical coverage. For motorcyclists, this is obviously a good idea. A simple fender bender that might mean a couple of hundred dollars in body work for a driver in a car may mean thousands of dollars in medical bills for a motorcyclist. Be sure you add this type of coverage to make sure that you have some financial resources in the event of a wreck. The wreck may not endanger your life, but a broken arm or leg is still very expensive to treat.
Motorcyclists usually pay lower rates for liability than cars. This is because it’s simply much harder to do the level of damage a car can do on a bike. You may want to add some additional coverage, however, and be sure you carry collision. Without collision insurance, you may find yourself without a bike at all in the event of a wreck.
If you get in a wreck and your insurance company isn’t paying up or you were injured due to the negligence of another driver, contact a Dallas motorcycle accident attorney. A personal injury lawyer can also help motorcyclists who have been injured in accidents and may be able to get you compensation for the injuries that you suffered and the property that you lost.