Why Motorcycle Injury & Uninsured Motorist Insurance Is Vital
Riding a motorcycle offers a wonderful feeling of freedom and adventure. However, the risks associated with motorcycling are significant – it’s not just a helicopter-parenting opinion. With this risk comes a greater need for making insurance coverage an essential part of your riding experience.
As one of your car accident lawyers on the East Coast, I've seen the impact of motorcycle accidents firsthand as well as the helpful role that insurance plays in protecting riders.
Let's chat about why comprehensive motorcycle insurance, such as uninsured motorist coverage, is a good arrow to have in your quiver.
The Reality of Motorcycle Injuries
Motorcycle accidents can cause you devastating injuries due to the lack of physical protection offered to you compared to motor cars. The most common injuries that are reported to insurance include fractures, head injuries, spinal cord damage and, unfortunately, even fatalities.
Unlike car accidents, motorcyclists are more exposed, making collisions with other vehicles particularly dangerous. This reality underscores the necessity of having adequate insurance to cover medical expenses, rehabilitation therapy, and loss of income.
Uninsured Motorist Coverage
Uninsured motorist (UM) coverage is a type of insurance that protects you if you're involved in a collision with a driver who does not have sufficient insurance.
Considering that not all drivers on the road carry enough insurance, UM coverage ensures you aren't left financially wanting. By having this coverage, you will be able to for medical bills, cover lost wages as well as be compensated for pain and suffering. In it’s absence, these would otherwise be out-of-pocket expenses if the at-fault driver is insufficiently uninsured.
Uninsured Motorist (UM) Coverage For Motorcyclists
As discussed above, motorcyclists face higher risks during their road trips, and statistics show that motorcycle accidents regularly involve other vehicles.
If the driver that is at-fault in an accident is uninsured (or insufficiently insured), you could be left in the unfortunate position of being ladled with the financial fallout 100%.
I believe that UM coverage is a great cover option. It gives you peace of mind and financial protection. Suffice to say, it’s a crucial safeguard that every motorcyclist should consider as part of their holistic insurance strategy.
What About Your Rights?
As a personal injury lawyer with extensive experience, I understand that as a layman you might feel overwhelmed by the complexities of navigating insurance claims following an accident. However, be assured, if you have UM coverage, it simplifies this process significantly.
UM coverage will ensure that you have a direct route to being paid out without the tiresome need of having to battle with another driver's insurance. Or worse still, battle with another driver in a civil case because they are completely without insurance.
UM cover is a wise step that strengthens your rights to fair compensation and legal protection.
Your Car Accident Lawyer's Perspective
From the perspective of your car accident lawyer, the importance of comprehensive insurance coverage cannot be overstated. It's not just about adhering to legal requirements; it's about safeguarding your future and your physical and financial well-being.
Motorcycle insurance, particularly UM coverage, acts as a crucial buffer against the risks that are to be expected during road trips. It makes sure that you are not financially crippled by another's negligence or irresponsibility.
Ride Safely With Confidence
Motorcycling should be about the thrill of the ride and the wind in your face – not the worry of what-ifs. By securing robust motorcycle insurance, including uninsured motorist coverage, you equip yourself with the necessary protection against the unpredictable nature of the road. Stay safe, stay insured and feel the rush of freedom in the wind!
Secure your ride – contact your car accident lawyer today,
