subject: Motorcycle Insurance And Its Benefits [print this page] Riding a two wheeler on the road is the most risky thing one can do compared to other automobiles as the chances of getting severely injured in an accident are far more than in any other vehicle. For this very reason laws have been framed that require motorists, especially ones driving two wheelers to have motorcycle insurance policy to safeguard in case of unpredictable events. Statistics also show that two wheeler accidents account for the major chunk of vehicle accidents around the globe, so the probability of a two wheeler accident happening is far more than for any other vehicle. The mortality rates are also too high in case of two wheeler accidents so if you happen to drive around in your motorbike, motor trike, scooter or any other two wheelers or even one that has three wheels then its high time you get a motorcycle insurance policy.
In some states it is mandatory to have motorcycle insurance coverage the moment you buy a two wheeler so it is imperative that you get a good insurance policy that gives total coverage in case of a mishap. There are many kinds of motorcycle insurance policies offered by innumerable insurance companies, so make it is a point to choose the one nest suited to your needs and gives maximum benefits in the long run. Given below are some of the standout benefits of motorcycle insurance policy that make it a must have for all motorists who like to enjoy life without any fear of unexpected happenings while driving in busy city streets or express highways.
Benefits of motorcycle insurance:
1. Motorcycle insurance covers for all costs incurred in the loss of your two or three wheeler (depending on the insurance policy) and in most cases as the two wheeler damage is extensive so you can be rest assured that insurance will cover for all expenses including the outstanding charges such as labor cost.
2. In case you are also injured in the accident then the motorcycle insurance covers the costs of medical bills and visit to the doctor. It doesnt matter if you are at fault or the other person who inflicted the damage with his/her vehicle; the insurance cover is there to protect you against hefty medical bills.
3. Motorcycle insurance also comes in handy when your two wheeler is stolen or vandalized. If you dont have a motorcycle insurance policy in that case youll land is great deal of trouble as the weight of all the losses will fall directly on your shoulders. However if you do have insurance coverage for your motor bike then you can relax as the major part of expenses will be paid by the insurance company.
4. Motorcycle insurance also protects you against any lawsuits or bearing of expenses in case you are found the guilty party in an accident. For example if you hit someone on the road and he/she is severely injured or even dead, then insurance policy will safeguard you against any precarious situations.
by: Rose Mathews
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