BE SURE YOU’RE INSURED

“There was just no time to stop.”“It came out of nowhere!”

Motorcycle accidents happen for a variety of reasons

The bottom line is, you can’t afford not to be insured.

Finding the right automobile insurance can be confusing. You have to consider differences in coverage amounts, state minimum requirements and insuring extras (which may seem unnecessary when shopping around, but can prove essential after you’ve been involved in an accident). The same holds true for insuring your motorcycle.

Would you drive around with no liability coverage? Would you drive around with no state minimum coverage?

Believe it or not, there are people in passenger cars driving around with:

  1. No insurance
  2. Minimum limits insurance

So, how do you protect yourself? You must buy:

  1. Uninsured motorist coverage
  2. Underinsured motorist coverage

Why?

So that, in the event you or a family member are seriously injured, your uninsured and underinsured insurance will pay you what you should have received – the same as if the negligent party had full coverage.

Will it cost you extra?

If you’re a good driver, you can usually get pretty good coverage for a decent price. Always protect yourself and your family – Be Sure You’re Insured!

An important part of MotorEagles is to educate motorcyclists about the finer points of buying insurance by way of our Be Sure You’re Insured! campaign. Through this initiative, we urge motorcyclists to research the following questions when considering coverage for themselves and their bikes before hitting the road:

  1. Will I be covered if I am hit on my bike by someone who only has the state minimum insurance coverage?
  2. Will I be covered if I am hit on my bike by someone without insurance?
  3. Will I be covered all year long?
  4. What are my policy limits for property damage?
  5. What are my policy limits for medical payments?
  6. Will I be covered if my bike is stolen or is struck by a falling tree?
  7. How much insurance do my bike and I need?

Common motorcycle insurance misconceptions:

  1. I’ve got health and auto insurance. Your auto insurance will not cover your motorcycle, nor will your medical expenses due to a motorcycle accident injury be covered 100 percent by your health insurance.
  2. I only need the bare minimum. Buying the bare minimum will not benefit you in the long run. Your insurance needs to cover you and your family in case you're involved in a serious motorcycle accident.
  3. My credit history doesn’t matter.Your credit score or credit card payment history can be used to determine your insurance score. Insurance scores are commonly used to determine a person’s insurance rate.
  4. Comprehensive and collision coverage are the same thing.Comprehensive coverage protects damage not caused by a motorcycle accident, such as theft, fire damage, vandalism etc. Collision coverage protects damage to your bike as a result of being struck by another motorist.
  5. My driving record is irrelevant.If you’ve had multiple citations or accidents, you’ll be considered high-risk, and as a result, your insurance rates may be higher than someone with a good driving record. On the other hand, if you’re a safe driver and have taken preventative measures, such as completing a motorcycle safety course, you can receive discounts on your motorcycle insurance.

By making sure you and your motorcycle are sufficiently insured, will save you, your family and your bike immeasurable grief in the unfortunate event that you’re involved in a motorcycle accident.

With this in mind, MotorEagles wants to remind you to Be Sure You’re Insured!

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