Why the Need for Motorcycle Insurance?
After you have purchased a vehicle, one of the first things you have to attend to in terms of paperwork is that vehicle’s insurance. This goes for everything – cars, trucks, trikes, and even motorbikes. A vehicle is an investment, and you need insurance in order to protect your investment. Motorcycle insurance, for example, would ensure that regardless of life’s many sudden turns and bumps, you will be able to drive around in your trustworthy vehicle for a long time.
The need for motorcycle insurance cannot be stated too much, or too many times. Motorcycles do provide maximum freedom of movement when you’re on the road. They are invaluable for people who value speed and flexibility in transit, people who would prefer to be able to control their own travel time. However, motorcycles expose their riders to a great deal of physical injury, if only due to the fact that they have no protective covering that would protect riders from sudden impacts and climate changes.
Motorcycles in fact are extremely high-risk vehicles. As the number of motorcycle owners increase yearly, the number of accidents yearly also increases. Based on the U.S. National Highway Traffic Safety Administration (NHTSA)’s “Hurt Report,” the number of motorcycle incidents has not ceased to increase annually since 1997. The latest figure from the NHTSA, shows a total of 4,008 fatalities in 2004 due to motorbike acidents – a huge jump from the 3,714 total in 2003.
The government’s crash prevention programs could only do so much. As a responsible driver, you must do your part in ensuring your own safety, the safety of your vehicle, and the safety of whoever else you will allow to ride on your vehicle. Now as a responsible motorcycle owner, you must do whatever you can to make sure that you can handle the damages that may come your way. We can never really foresee every possible disaster, but it’s best to be prepared for anything.
The first line of defense is always insurance. Pick out a motorcycle insurance plan that will be easy for you to keep up in terms of premium and payments. You ought to be able to get in touch with cheap insurance outfits over the web, but note that even if you want a completely streamlined plan, made out only for the most basic protection, you may have some needs that are still not considered “basic” by the company. Don’t settle for the cheapest right off the bat. Shop around for good deals.
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broadside collisions. Automobile accidents create many injuries: including physical, mental, emotional and financial. The most common types of injuries include brain & head injuries, back & spine injuries, neck injuries, broken bones & fractures, scar injuries, paralysis & quadriplegia, and fatal injuries (see wrongful death litigation). The physical pain from injuries, property loss when vehicles are damaged, and the loss of income are distressing. Medical bills such as doctor, hospital …
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Posted by American Car Insurance on August 26th, 2009 filed in motorcycle insurance | 10 Comments »
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10 Responses to “Why the Need for Motorcycle Insurance?”
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August 26th, 2009 at 10:12 am
big fan of the firm gary ogg all the way
August 26th, 2009 at 10:55 am
carinsurance.yoll.net – try this one. I have their car insurance and, as I know, they can provide such a service.
August 26th, 2009 at 11:26 am
I would get a fair amount of coverage, regardless of anything.. just because it's better to be safe than sorry.
And yes, hit and run has gone up quite a lot.
You can get free quotes at:
http://car-insurance.moneysavecenter.com/100.php?id=m3y227
August 26th, 2009 at 12:10 pm
I don't know why? but they are! weird huh. My buddy is 36 and has been riding for a bunch of years and got his for like $110 a year! THAT'S CRAZY! He keeps telling me to switch I'm sure I will soon.
I assume because they are such a big Company that it makes it easier to give better quotes. kinda like, why sell a few policy's a day for $300 when they can 20 policy's for half that and still make big bucks! I don't know just my thought on it anyways.
August 27th, 2009 at 11:58 am
hell u could buy a cage with no lic or insurance…but if u plan on drivin it off the lot, u would need it. is no different for bikes. if the dealer in question is like the hd dealer here, u wont even get the keys to ride it off the lot if u dont show proof of insurance. ohio is a real bitc-h about insurance.
August 28th, 2009 at 12:29 am
You need to have insurance before you take possession of a motor vehicle, let alone drive it on any kind of permit or license.
This is because bad stuff can happen at any time.
Most bad stuff happens in an accident, but it can get stolen, damaged, cause damage. If you own it, you are responsible, unless you got insurance first.
If police stop you for any random reason, they will probably need to see your
* license is correct for type of vehicle you driving (you do know that a different license needed for motorcyce, than for car?)
* ownership … you have right to be driving this vehicle
* licence plates properly registered to ownership
* wearing suitable safety gear like helmet
* proof of insurance
If any of this evidence is missing, the presumption is that you are driving illegally.
August 28th, 2009 at 4:09 am
Unfortunately, Geico did not really tell you the complete background on their insurance rates which are primarily geared to how old is the motorcyclist and the number of years that the motorcyclist has been driving without any significant accidents or insurance claims. If you are at least 26 years of age and have been licensed to to drive a motorcycle since 18 years of age, your initial insurance coverage will be substantially quite lower than someone under 26 years of age who is just starting out driving a motorcycle. For example, I currently drive a sports bike, a BMW R850R and a early model Honda Elite 150CC scooter and the total coverage for both bikes for only public liability is $165.00 per year. And the insurer is not Geico but McGraw Insurance Services (800-303-5000).
I can only conclude that motorcycle insurance is still truly a bargain priced item which becomes more affordable once a motorcyclist becomes of age, that is, over 26 years of age.
Good luck!
August 28th, 2009 at 5:37 am
Regardless your license status, you will need insurance on the bike, if it is being used on the road. Some insurance carriers will become more restrictive depending on your license status. But, in reality any motor vehicle (including a motorcycle) must be properly registered and insured to be driven.
August 28th, 2009 at 9:56 pm
Some questions you will be asked:
Any accidents last 3 years?
Any tickets last 3 years?
Licensed how long?
Yes, you need one first.
August 29th, 2009 at 7:41 pm
Single guys tend to be out more often and later. They are a bit more of a daredevil when it comes to driving. This is all statistically speaking. Married men are more stable when it comes to insurance statistics.