How common is it to be insured in a motorcycle accident?
If you own both a car and a motorcycle, you might assume your auto insurance will cover you on either vehicle if you have an accident. This is not necessarily true. Read on to learn how common it is to be insured on a motorcycle.
Auto Insurance
While rules and coverage vary depending on the state and the insurance policy, most auto policies will not cover you if you have a motorcycle accident. This is very important to understand, because not only will you not be covered for your injuries and property damage, but you will also have no liability coverage. If you cause the accident, you could solely responsible for the damage you caused to some else.
Motorcycle Insurance
If you own and ride a motorcycle, then you should carry motorcycle liability insurance. Don’t skimp on this insurance either. In an accident between a car and a motorcycle, the bike and its rider are more likely to be severely damaged and injured. Like with a any decent auto insurance policy, look for a plan that provides the following coverage:
- LIABILITY COVERAGE: Liability limits for motorcycle policies are often lower, but that doesn’t mean you shouldn’t get it. What if you hit a pedestrian? You’ll need liability coverage.
- COLLISION COVERAGE: Whether another vehicle has struck your motorcycle, or you’ve had to lay the bike down on a slick road, you’ll want coverage for that damage.
- COMPREHENSIVE COVERAGE: Comprehensive coverage is important to cover you in the event of theft or natural damage.
- MEDICAL PAYMENTS: If you are involved in an accident while riding a motorcycle, the chances of suffering a personal injury are high. Medical payments can help cover your medical bills so you can make sure to get the care you need.
Health Insurance
In addition to the above-mentioned insurances, make sure you also carry health insurance. Ideally, where auto insurance and motorcycle policies end, health insurance policies can pick up and help cover the costs related to a personal injury. That being said, health insurance will not cover things like property damage or lost wages, so it is never enough just to have a health insurance policy.
If you’ve been injured in a motorcycle accident and don’t have the insurance coverage you need for your medical bills, don’t wait to schedule a consultation with a car accident lawyer, about your case.
