With no structural protection, a very low visibility profile, and travel patterns that may seem slightly erratic to the vast majority of motorists, bikers on the roadways can be at an extremely high risk of accident. Having current motorcycle insurance in sufficient amounts is a legal requirement in most places, but more than that, it may be the only thing preventing bankruptcy for the unfortunate accident victim.
The truth of the matter is that you can be injured horribly at extremely low speeds. Accidents that take place at a relatively low rate of speed can also cause great injury, and maybe even be fatal, just like it's possible to break your neck in a fall from a chair or from a standing position, and to drown in just a few inches of water.
Obviously, liability and theft coverage are not going to magically protect bones in a collision. No piece of paper could provide protection to you or anyone else in the real world. But given the ever increasing costs of medical care, especially hospitalization, having a good motorcycle insurance policy could save you thousand of dollars in medical bills.
And what about theft? Bikes are relatively small things and they are pretty easy to load into the back of a van or truck. It would take a few strong people to do it, but lifting a three to six hundred pound machine is quite possible for people who are sufficiently motivated. While it is true that the price of a new bike is usually considerably less than that of a car, even a few thousand dollars is way too much to have to pay just to replace something that someone decided to steal from you.
Motorcycle insurance usually costs less than similar insurance policies for cars. You should always do your own motorcycle insurance comparison to find out which company offers the best combination of coverage and price for you. Many insurance companies offer multiple policy discounts for customers who already have their cars or homes insured through them. Asking their current provider for information about adding a new vehicle, specifically a bike, to the contract is something many people decide is right for them.
Liability is not as big a deal for two wheelers as it is for their lumbering, four wheeled cousins. Of course riders should always drive carefully and try to prevent accidents by anticipating and avoiding problems. Driving more slowly, especially during bad weather and other problem road conditions can allow you a little extra time to react and compensate. It's alway preferable to avoid an accident than to deal with it afterwards.
As is the case with nearly all other form of coverage, the amount of time an applicant has been engaged in the activity to be insured without any reported incidents, the more confident the guarantor will be that the backing is a safe investment. The reward for having a clean record and not submitting a claim over years of driving is lower insurance premiums. The financial benefit alone is enough to improve your driving skills.
Will motorcycle insurance save a rider's life? No. It can't even prevent property damage. But it will help them pay for a new ride if theirs is lost, stolen, or damaged. It will even save you money if you don't have an accident because you won't get a citation for not having proof of insurance if a police officer pulls you over.
The truth of the matter is that you can be injured horribly at extremely low speeds. Accidents that take place at a relatively low rate of speed can also cause great injury, and maybe even be fatal, just like it's possible to break your neck in a fall from a chair or from a standing position, and to drown in just a few inches of water.
Obviously, liability and theft coverage are not going to magically protect bones in a collision. No piece of paper could provide protection to you or anyone else in the real world. But given the ever increasing costs of medical care, especially hospitalization, having a good motorcycle insurance policy could save you thousand of dollars in medical bills.
And what about theft? Bikes are relatively small things and they are pretty easy to load into the back of a van or truck. It would take a few strong people to do it, but lifting a three to six hundred pound machine is quite possible for people who are sufficiently motivated. While it is true that the price of a new bike is usually considerably less than that of a car, even a few thousand dollars is way too much to have to pay just to replace something that someone decided to steal from you.
Motorcycle insurance usually costs less than similar insurance policies for cars. You should always do your own motorcycle insurance comparison to find out which company offers the best combination of coverage and price for you. Many insurance companies offer multiple policy discounts for customers who already have their cars or homes insured through them. Asking their current provider for information about adding a new vehicle, specifically a bike, to the contract is something many people decide is right for them.
Liability is not as big a deal for two wheelers as it is for their lumbering, four wheeled cousins. Of course riders should always drive carefully and try to prevent accidents by anticipating and avoiding problems. Driving more slowly, especially during bad weather and other problem road conditions can allow you a little extra time to react and compensate. It's alway preferable to avoid an accident than to deal with it afterwards.
As is the case with nearly all other form of coverage, the amount of time an applicant has been engaged in the activity to be insured without any reported incidents, the more confident the guarantor will be that the backing is a safe investment. The reward for having a clean record and not submitting a claim over years of driving is lower insurance premiums. The financial benefit alone is enough to improve your driving skills.
Will motorcycle insurance save a rider's life? No. It can't even prevent property damage. But it will help them pay for a new ride if theirs is lost, stolen, or damaged. It will even save you money if you don't have an accident because you won't get a citation for not having proof of insurance if a police officer pulls you over.
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Don't forget to go online for a motorcycle insurance comparison to find the most affordable motorcycle insurance policy that meets your needs.
