subject: Motorcycle Insurance Is Protective Gear For Your Wallet [print this page] Before you get your motor runnin' and head out on the highway lookin' for adventure, take just a few minutes to insure your motorcycle.
Of course, insurance sounds pretty ordinary, everyday, level-headed and practical for a free-spirited rider, but all riders ride a little easier when they ride with assurance that, no matter what happens, they're covered. Everyone knows that the hazards contribute to the thrill of motorcycling, but you will ride better and longer if you control the hazards instead of leaving yourself exposed. You wear a helmet to protect your brain from serious trauma. You buy insurance to protect your wallet from serious trauma. Exactly the same principle.
If you financed your Harley with a loan from a bank or big lender, the lien-holder undoubtedly admires your free spirit but wants you to carry insurance anyway. If your mother worries about your riding, or if your mother rides beside you, she undoubtedly worries about your personal and financial safety. Carry insurance for mom's sake. Keep in mind that free-spirited or not, if you lay-down your bike, busting up everything in your hard-pavement path, someone inevitably will demand payment for damages. Carry insurance to cover the nasty consequences of a bad crash or fall.
The law requires motorcycle insurance
Outlaw riders are great in pulp fiction and B-movies, but they do not fare well in the real world. You know you are mostly invisible to ordinary motorists, who pose your greatest hazard. You also know, however, that by virtue of their super-powers, the police can see you as if you were coloured with day-glow highlighter. If you a law enforcement officer pulls you to the side of the open road, you know she immediately will demand proof of insurance. Without it, you may watch your beloved two-wheeler drive away to the impound yard, and you will pay penalties and fines in addition to the premiums on your insurance.
Specifically, the law requires you to carry insurance for bodily injury and property damage. Different states set different minimums; you can find your minimum with a quick search engine inquiry. The law requires that you provide for others' well-being. Common sense demands that you look-out for yourself too. You also should insure yourself against uninsured and under-insured motorists, because injuries in motorcycle accidents tend to be more severe than those people sustain when their mini-vans collide.
Money is no object
Even if you are not independently wealthy or blessed with a trust fund, you can afford motorcycle insurance. Premiums are just a fraction of what you would pay for comparable auto coverage. Moreover, the more you have customized and accessorized your bike, the more you should consider adding "comprehensive" coverage-protection against theft, vandalism, and other random acts of unkindness.
Collision insurance also seems like a very good idea, because you know your bike will sustain some serious damage if it, an unstoppable force, collides with any kind of immovable object. Because motorcycle insurance is inexpensive, you can afford Cadillac coverage at Suzuki prices.
by: Christopher Reinhold
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