Is Driving a Motorcycle Deadly?

By David Thomas Wolf

Owning and driving a motorcycle is a pastime that is gaining popularity in the United States. While many motorcycle enthusiasts are very experienced drivers, the nature of riding a cycle compare to driving a car makes them a higher risk to insure. Because of the exposure to the elements, limited scope of control, and the inattention of other driver's on the road motorcycle accidents have been on the rise for some time. Even if you think you are a skilled driver, motorcycle insurance is a must have protection for anyone who plans to ride.

When an accident does occur, it is rarely the fault of the motorcycle driver. Motorcycles also have a high theft rate because they are more difficult to secure than an automobile. Because of these reasons, even if you live in one of the rare states that do not require insurance you can best protect yourself and your investment by acquiring insurance for your bike.

Buying motorcycle insurance is very similar to purchasing automobile insurance. The majority of auto insurers also provide coverage for motorcycle owners. If you already own a car, chances are you can get a discount for adding your bike to your current policy. Like with any type of insurance it is important to shop around and compare what each policy has to offer.

The elements of a motorcycle insurance policy are virtually the same as that of a car. The most basic type of coverage is liability insurance. Liability insurance covers any expenses occurred as the result of your accident for damage to another person's property or vehicle in the unlikely event of an accident for which you are at fault. Liability insurance also protects you in the event you are sued for medical costs or harm that results from the accident. Forty-six states currently require a specific level of liability as a state minimum to be on the road.

Comprehensive insurance and collision insurance generally go hand in hand. Comprehensive coverage protects you for damages caused by an event that does not involve a collision, such as theft or vandalism. Collision insurance protects the value of your bike in an accident, regardless of who is to blame. If you opt for liability only and are found to be at fault for the accident, you will not have your motorcycle repaired or replaced. Considering the investment most people make in their cycles, it is wise to consider the added insurance to cover these types of problems. Some policies will separate medical payment coverage from the other forms of insurance. Without this your medical costs incurred from an accident become your responsibility.

There are a few types of insurance coverage to consider that are not typical of an auto policy. Safety apparel coverage will replace the value of any safety clothing or gear, such as leathers and helmets. Coverage for motorcycle transport trailers, increased limits on liability, optional equipment coverage and towing and roadside assistance can all be added for an extra fee.

For more information please visit [http://wintergardenhomeownersinsurance.com/]Winter Garden Insurance Agency. Southern Insurance Group is a true independent agency that will shop for your homeowner coverage with over 25 of the top insurance companies throughout the industry. This saves you the time and the hassle of having to call multiple insurance companies for quotes. We can usually tell you within minutes whether your policy is outdated or not.

If you are in the Clermont area you can go to [http://clermontinsuranceagency.com/]Southern Insurance or call 352-243-9000.

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