Each time you start up your bike, you protect yourself. You put on your helmet and protective goggles. You suit-up based on weather conditions and tie or buckle into your riding boots. Your bike is full of fuel and you've checked your wheels and tires, controls, lights and electric, oil and kickstand.
But do you have adequate motorcycle insurance?
Minimum Motorcycle Insurance Coverage Is Not Enough
You know that you can't prevent road mishaps - data shows that most motorcycle vs. car accidents are caused by the larger vehicle - but you can ensure that you're protected financially by having the right motorcycle insurance coverage.
Minimum coverage is not enough! Bikers are especially vulnerable in accidents because your ride offers little protection and the numbers prove it. According to the National Highway Traffic Safety Administration, 80% of motorcycle accidents result in injury or death. Common injuries include leg, wrist and arm fractures; pelvis and shoulder fractures; skin abrasions or road rash; head injuries including traumatic brain injury.
These types of injuries often require long-term medical care and rehabilitation and even home and lifestyle changes. You may also incur damages such as loss of current and perhaps future wages, and may suffer from pain and suffering and mental anguish.
All this costs a lot of money, and if you insure yourself with the minimum amount, your current and future financial needs may not be met - especially if the driver at fault doesn't have adequate coverage.
Protect Yourself with Uninsured and Underinsured Coverages
Act now before you have a motorcycle accident! At the Sevenish Law Firm, we recommend boosting your insurance policy to include both uninsured and underinsured coverage.
Uninsured coverage will protect you in the event the person who caused the accident has no insurance at all. If the wrongdoer does have insurance but not enough for your needs, the underinsured coverage contained in your policy will cover you. Underinsured coverage kicks in when your damages are more than the available liability policy limits.
Our firm recommends:
- Uninsured Motorists (UM) Coverage: Bodily injury limits of $250,000 per person and $500,000 per accident; property damage limits equal to the value of the vehicle.
- Underinsured Motorists (UIM) Coverage: Bodily injury limits of $250,000 per person and $500,000 per accident.
We also recommend that you add Homeowner's Excess/Umbrella Coverage with UM/UIM Coverage of $1,000,000 per accident.
You can read our complete insurance recommendations here.
Let Us Know If You Have Been Involved in a Motorcycle Accident
If you or a family member has been injured in a motorcycle accident or any other type of vehicle accident or personal injury, please call the Sevenish Law Firm immediately. Our experienced attorneys will fight for the compensation that you deserve. Please call our Indianapolis personal injury law office for a free consultation. Attorney Randall Sevenish will fight to secure justice for you and your family. You can reach us at 800-278-9200.