One of the biggest advantages of riding a motorcycle is the fact that they’re much cheaper than cars. This advantage extends to the insurance required to have a bike on the road legally. It’s tempting to buy the lowest level of insurance possible, which is very inexpensive where motorcycles are concerned. There are, however, good reasons to consider buying a little bit more insurance to make sure that you’re safe on the road.
Coverage Option 1: Medical
It’s a myth that motorcyclists are almost certain to get into a car wreck. It’s not a myth, however, that motorcyclists who do get into wrecks are much more likely to be injured seriously. To make sure that you’re not put into a situation where you cannot afford to pay for your medical expenses, add a bit of medical coverage to your motorcycle policy. A fender bender in a car usually means exactly what the name says: a bent fender. On a motorcycle it might mean a broken leg, a broken arm or worse.
Coverage Option 2: Liability
It’s easy to think that you can’t possibly do a lot of damage to a vehicle in a crash because you’re on a motorcycle. However, if you hit a very expensive vehicle, you don’t have to do that much damage to rack up a very large bill. To make sure that you have enough liability coverage, go a little bit higher than the state minimum. Think about what would happen if you plowed into somebody’s new Jaguar rather than what would happen if you plowed into someone’s 78 Pinto.
Coverage Option 3: Comprehensive
Comprehensive insurance will cover you in the event that your motorcycle gets stolen. There is a bigger threat to motorcycles, however, that cars really don’t face. A motorcycle can be knocked over, accidentally or maliciously, and that can end up costing thousands of dollars in damage to the engine and other parts of the bike. Make sure you have insurance that covers you against the actions of vandals.
A Dallas vehicle accident attorney can help you if you’re involved in a wreck that wasn’t your fault. You have as much right to the road as anyone else and a good auto accident lawyer will make sure that you can explore your legal options if you’re injured because of someone else’s negligence.