Coverage for Uninsured and Underinsured Motorists
As a rider, you are more aware than most motorists that there are many irresponsible drivers on the road. Some of these careless drivers fail to obtain the legally required auto insurance coverage.
If you are in an accident caused by a negligent, uninsured motorist, you may be compelled to pay for damages and injuries out of your own money. If this occurs, uninsured motorist coverage protects you and considerably enhances the likelihood that your damages will be compensated without the need for legal action.
Underinsured motorist coverage works on the same principle as uninsured motorist coverage, which is why they’re combined. Many drivers can only afford or choose to purchase the bare minimum of coverage. In catastrophic incidents resulting in traumatic injuries, which are all too common for riders, those restrictions won’t go very far. When the responsible driver’s insurance coverage limits are reached, underinsured motorist coverage kicks in.
Before settling on the cheapest option, weigh your options.
There are many items and expenses where you may get away with merely paying the lowest price. Insurance is not one of these. Insurance isn’t simply for safeguarding you and your bike, but that is essential. It’s about protecting your family and loved ones and making sure that if the worst happens, they won’t be saddled with medical bills and no money to help pay it off.
Consider your options before getting on the road without motorbike insurance. Consider incorporating collision, comprehensive, and uninsured motorist coverage into your policy. The annual expense is significantly less than the lifetime costs of being in an accident and being underinsured.
The Motorcycle Law Group can provide you with a review of your motorcycle insurance policy.
Insurance is difficult to understand. The simplest thing you could do is call Geico and purchase the cheapest coverage available, but if you ever get into an accident, you could find yourself in a major financial bind. A free motorcycle insurance review is one of the services we offer to other riders. We’ll review your policies and advise you on:
Choosing the right coverage for your motorcycle based on your degree of risk:
- How to Organize Multiple Policies for Maximum Coverage
- Where you may need extra protection or where you may be overprotected and can cut back
- The main policy limits and whether you would be sufficiently protected in the event of a large property damage or injury claim
- We also recommend that you review our free prepared rider kit for information on valuing your bike, what to do after an accident, and ensuring that all of your gear and bike are fully covered.