Importance of Motorcycle Insurance and What Coverage You Need

Motorcyclists can sustain serious injuries in an accident on the road. Many motorcyclists discover that they don’t have enough coverage after being seriously injured in an accident. They can avoid the terrible consequences of motorcycle accidents by being more aware of the importance and taking the steps to obtain the coverage.


Probability of Motorcycle Accidents

According to the National Highway Traffic Safety Administration, 4,668 people were killed in motorcycle accidents in 2013. Around 88,000 motorcyclists were also injured in motorcycle accidents that same year. Motorcyclists are 26 times more likely to sustain injuries in an automobile accident than passengers in a vehicle.

Common Causes of Motorcycle Collisions

Motorcyclists can be hurt in an accident like any other type of automobile accident. Most accidents happen when a passenger car hits the front of the motorcycle. It could be that the driver didn’t see motorcyclists or wasn’t paying attention. Many accidents occur when a passenger is making a left turn while the motorcycle is part of ongoing traffic and is going straight through an intersection.

Motorcyclists are sometimes responsible for some accidents. Many accidents involve the motorcyclist and a fixed object. Inexperience or lack of training may lead to an accident. According to the National Highway Traffic Safety Administration, 27 percent of motorcyclists involved in fatal accidents had blood alcohol levels that were higher than the legal limit. This is slightly more than the 23 percent who were riding in passenger cars and were also involved in accidents. Around 34 percent of motorcyclists who were involved in fatal accidents in 2013 were speeding at time of accident.

“Lane splitting” is another common cause for motorcycle accidents. This occurs when a motorcyclist weaves between stopped traffic. Road hazards can also sometimes cause serious injuries to motorcyclists. Loose gravel, rocks, or other debris can cause motorcyclists to lose balance and crash. Motorcyclists can also lose balance when they are faced with potholes, slippery roads, uneven lanes, and other road irregularities.

Common Motorbike Injuries

Many motorcycle accidents lead to fatalities, as discussed previously. Most often, it is the motorcyclist who dies. Motorcyclists can sustain serious injuries if they are involved in an accident. This is due to the fact that helmets and clothing do not provide enough protection. Motorcyclists are not protected by a steel structure like passengers in enclosed vehicles.

Traumatic brain injuries are common among motorcyclists. Concussions can also be common. Motorcyclists can also sustain spinal injuries that cause paralysis. Fractures or amputations may also be possible. Road rash is a condition where the ground’s roughness causes serious skin contact with the motorcyclist. These injuries are often very severe and can result in expensive medical treatment.

Motorcycle Insurance Coverage

Many policies on automobile insurance specifically forbid coverage for motorcycle accidents. Motorcyclists often need separate insurance to protect themselves and their motorcycle. Some people may not be able to buy the required liability coverage under the state law. However, others may be able purchase the following:

  • Personal Injury Protection: Personal Injury Protection or PIP insurance covers an insured’s medical bills regardless of who was at fault for the accident. Even if the insured caused the accident or was involved in a single-vehicle accident, PIP covers medical bills up to the policy limit. Generally, the higher the amount of coverage, the more expensive the policy is. PIP also covers the insured’s lost wages. PIP can also be used by a passenger on the bike to cover his or her expenses.
  • Uninsured/Underinsured Coverage: UM coverage pays for the insured’s medical expenses up to the policy limit in the event that the driver found to be at fault had no insurance or an insufficient amount of insurance to cover the motorcyclist’s expenses. Limits for this type of coverage are often the same as the regular liability limits.
  • Property Damage Insurance: Motorcyclists may also wish to purchase additional coverage that covers the vehicle in case they are found to be at fault for the accident. This coverage can help pay for the repairs of the bike or replacement of another vehicle.

Updated on 12/14/2021