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The number of motorcyclists killed in accidents dropped nearly 5 percent in 2018 compared to the year before. Despite this drop, motorcyclists are still over represented in traffic accidents, including those that lead to fatalities.
Prejudice against bikers is a real occurrence on the road, and motorcyclists are often cited even when they are not at fault.
It makes sense as a motorcyclist to be protected with a comprehensive insurance plan that offers a variety of coverage options for yourself, your motorcycle, and anyone else who may be affected.
Motorcycle accidents have concerns that go beyond safety too. They affect insurance costs. We are here to fill you in all that. Keep reading.
In this article we will discuss motorcycle insurance policies, different types of coverage, the difference between auto insurance and motorbike insurance, and the best way to get the cheapest auto insurance.
Plus, we’ll answer the all-important question: will a motorcycle accident affect my car insurance? If you’re already looking for motorcycle insurance but don’t know where to start, check out our best auto insurance companies for 2021 page to see comparisons between top companies in terms of rates, market share, financial strength, and more.
Now, if you just want to jump in right away and start getting quotes? Just plug your ZIP code into our FREE online quote comparison tool. It’ll give you rates for your area and demographic information.
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Auto insurance and motorcycle insurance are reasonably alike until it comes down to the specifics. Claims on both sides are handled similarly in terms of liability or determination of fault.
They are also pretty identical in evaluation and payment of the claim. However, the differences between auto insurance and motorcycle insurance after an accident typically include passengers, the extent of the injury, and accessories.
Related: The Different Types of Auto Insurance Coverage Explained
Because a motorcycle can take fewer passengers than a car, motorcycle insurance usually offers guest liability insurance as a separate coverage.
On the other hand, auto insurance will normally include liability insurance for passengers as well. Liability coverage is necessary for any insurance policy because it protects you financially from injury or property damage.
Liability coverage is crucial and necessary in all but two states as it protects the other driver if you were to hit them and you to some extent because your payout on the damages of their car would be less.
Even in the best cities for motorcyclists, with sun-shiny days, great motorcycle routes, and fewer motorcyclist deaths, having liability coverage keeps you financially safe if police were to find you at-fault in an accident, potentially costing you tens if not hundreds of thousands of dollars.
The personal injury protection (PIP) coverage of motorcycle insurance is more expensive than the PIP of auto insurance. This is because motorcycle riders are more prone to suffer injuries in crashes.
This helps pay for you and your passenger’s expenses in the event of an accident. After this, separate coverage is normally available for accessories like your helmet, saddlebags, and the like.
Check it out! Which auto makes get in the most fatal crashes?
These types of coverage offer financial aid if you are ever injured in an accident by a motorist who does not have insurance or one whose insurance is insufficient to cover your costs of the damage.
This is perhaps the most important coverage and should be increased to the maximum limit of what you can afford.
While auto insurance and motorcycle insurance would still be different policies, there is a possibility for a past motorcycle accident to increase premiums on your auto insurance.
It is a common assumption that because you have separate insurance policies for your car and motorcycle, any vehicle-related accidents won’t reflect on your motorcycle insurance.
Whether you bundle your auto insurance and motorcycle insurance with the same company or choose different carriers for each, past accidents or crashes can be discovered by insurance companies.
Insurance companies can access detailed information on your accident history through the Comprehensive Loss Underwriting Exchange (CLUE) report. Every claim you make is logged in the report and lasts for several years. This can be viewed by any insurance company you ask for coverage.
Your auto insurance premiums can increase after an accident. If it is your fault, or it incurs a significant cost in damages, or if there are reports of past claims with the same or other insurers, these can all increase your premiums.
However, there is a possibility that an accident may not affect your rates. Incidents, where the other driver was fully at fault, your first accident, or a minor incident with a good track record, may not affect your current rates for your auto insurance.
Important: The Insurance Guide for Different Driver Types. This article is full of expert tips and ways to save.
“What happens if I’ve wrecked my motorcycle?” This is a very common question for any motorcyclist who has been in a traffic accident. Fortunately, you don’t have to take motorcycle insurance classes to understand how the police or other parties might treat you, as a biker.
In any accident, it will be the police who have the final say when it comes to criminal responsibility. But there is such a thing as biker prejudice, in which the motorcycle rider is automatically deemed at fault.
It becomes important to have a specialized motorcycle accident attorney in this case. They will help investigate the case and rectify any inaccurate or erroneous reports made by the police.
It’s also important to make a claim immediately after an accident and make sure the insurer is aware. If it isn’t your fault, the third party portion of the other party’s insurance should be claimed off as soon as possible.
Even minor incidents can have repercussions in the future where damages can actually be worse than what they first appear.
If you’re interested in how to lower motorcycle insurance, you could switch providers by finding online motorcycle insurance. Often, these companies offer lower rates than companies that rely on agents. The internet cuts out the middleman (agents) which leads to lower rates.
Motorcycling still poses a higher risk than riding or driving a car. Riding requires awareness and good judgment every moment you spend on the road.
The latest data reveals that motorcyclists are 28 times as likely as passenger car occupants to die in a crash.
Before you even start riding your bike, it is imperative to have enough knowledge of the awareness and safety standards needed on the road.
Of course, both automobile drivers and motorcycle riders need to understand the challenges that everyone experiences on the road. A more mutual understanding of both sides helps promote safer road sharing.
You can begin your journey to the best coverage for your car by using our free online comparison tool. Start by entering your ZIP code below.
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