The Short Answer Is Not Having the Right Insurance Coverage!
It's a beautiful Saturday afternoon and you can't think of a better way to spend it than on your motorcycle. Just you, your bike, and the open road. The last thing you are thinking about at this moment is being run off the road.
No one expects to have their life turned upside down while they're out just trying to enjoy it. But we see it every day - motorcycle riders are left to deal with life-changing injuries after being hit by a car. The only thing scarier than the moment of the wreck? Realizing there is not enough insurance money to pay for how badly you have been hurt.
If you are seriously injured in a motorcycle crash, will your insurance coverage be enough?
When one of those life-changing moments happen, will your insurance coverage be enough? We talk to a lot of bikers who say additional coverage is too expensive for both their motorcycle and their car. They pay a little more for their care and cross their fingers they are not injured on their motorcycle.
Just a quick look at the statistics shows how risky this is. According to the National Highway Traffic Safety Administration, someone riding a motorcycle is five times more likely to be killed in a wreck than someone in a passenger car.
Is your Motocoverage worth the gamble on your health? Is it worth the risk of leaving your family without the financial support needed?
In Texas, the minimum bodily injury insurance coverage required for most vehicles is $30,000.00. While this might sound like enough to cover some of your damages, if you are in a serious wreck and you need more than just one or two doctor visits - the minimum is not enough. You will be left trying to pay for injuries caused by someone else.
The Best Motorcycle Insurance Choice You Can Make
Opting to have Uninsured Motorist and Underinsured Motorist (UM/UIM) coverage can provide peace of mind and necessary coverage if you are in a serious motorcycle wreck.
Uninsured motorist (UM) coverage kicks in if you are hit by a driver who does not have any insurance coverage at all or if you are the victim of a hit and run. Underinsured motorist (UIM) coverage kicks in if you are hit by a driver who does not have enough insurance coverage for your injuries. For example, they have the bare minimum of $30,000.00 in coverage and your injuries are more severe than that. In these situations, your own UM/UIM coverage will step in to take care of the damages.
What Happens if I Don't Have UM/UIM Coverage and I Get into a Wreck?
With most motorcycle wreck cases that we handle, the medical bills and lost wages can far exceed the insurance coverage. In these cases, we take a look at all available options for insurance. After evaluating and discussing options with you, we put together a plan on resolving claims with the available insurance coverage.
Once we have exhausted all insurance options, we begin working on resolving and reducing all medical bills and medical liens you owe. This will involve resolving subrogation interests with your health insurance company and dealing with the hospitals and doctors that have balances owed.
Where Can I Learn More about Motorcycle Insurance?
If you have any questions about your motorcycle wreck or an insurance policy, give us a call or send us a message. If you are just looking for guidance before getting on the road with your bike, reach out and make sure you are covered. Stay safe out there!