Be Sure You’re Insured!

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

Finding the right automobile insurance can be confusing at best. Differences in coverage amounts, state minimum requirements and extras – extras that may seem unnecessary when shopping around, but may prove essential after you’ve been involved in an accident – make insuring your vehicle a perplexing proposition. 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 need to always 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?"

It only costs a little more. Always protect yourself and your family – Be Sure You’re Insured!

At MotorEagles, we’re working to educate motorcyclists about the finer points of buying insurance by way of our Be Sure You’re Insured! campaign. Through this initiative, we want motorcyclists to ask:

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

Our lawyers urge motorcyclists to research these kinds of questions when considering coverage for themselves and their bikes BEFORE hitting the road.

“One thing people need to understand is that your car insurance is not going to cover your motorcycle,” said Todd Rosenberg,MotorEagles attorney.

Riding with enough insurance should be a requirement when you buy insurance. Y should be familiar with some basic motorcycle insurance facts before you saddle up and ride. Rosenberg brought up a common motorcycle insurance misconception.

“When you cover (your motorcycle), don’t cover it to the bare minimum,” Rosenberg said. “Make sure that when you do buy motorcycle insurance, it’s not just covering the bike. Make sure it’s covering you and your family, too, because I’ve got news for you: A bike doesn’t wind up in the hospital.”

Rosenberg said the best place for motorcyclists to start searching for answers about insuring themselves and their bikes is with their insurance agents or carriers.

By making sure your motorcycle – AND YOU – are sufficiently insured, you 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, we at MotorEagles remind you to Be Sure You’re Insured!