Motorcycle Insurance Advice for Tough Times

By: On: February 24th, 20090 Comments »Updated: May 23, 2012

During tough times, people will try to cut costs wherever they think they can. Some folks will even reduce the amount of car insurance they have in order to reduce their premiums. Worse yet, some folks are desperate enough to be driving around without any car insurance. It’s these two categories, the underinsured and the uninsured, that can create loads of problems for accident victims, including motorcycle accidents

The Insurance Research Council did a report recently showing that the number of uninsured drivers dropped to 13.8% in 2007 from 14.9% in 2003. Because of bad economic conditions, the forecast for uninsured drivers in 2010 is slightly more than 16%.

Previously in Motorcycle Info, we have had done an article about getting a motorcycle lawyer and how a motorcycle lawyers may be a big help for you in the case of an accident. Well, if you get in a wreck with an uninsured driver, or even an underinsured driver, you likely will need to get serious about getting a lawyer on your side. I say this because your insurance will only go so far.

If the motorcycle accident resulted in personal injury, to you or to them, there will be some big bills. If they don’t have insurance, or enough insurance, you could end up in trouble quickly depending upon your insurance situation and your own financial situation.

The best thing we can do as a motorcycle riders is to make sure you have the right kind and the right amount of motorcycle insurance to protect yourself from these uninsured and underinsured drivers that are on the roads.  If your motorcycle insurance is already too high for you to consider adding more coverage against uninsured and underinsured drivers, then maybe it’s time to start looking for better rates, which you can easily do by online.  We explained some of the basics of motorcycle insurance in our article called Motorcycle Insurance Rates and How to Lower Them back in January 2008.

If one of these drivers carelessly pulls out in front of you, and you end up injured, it could really be a long and difficult road to your health recovery and your financial recovery if you don’t have enough motorcycle insurance armor. A little body armor in your riding gear wouldn’t hurt either!

About John Clay

John Clay is the author of MotorcycleInfo.Org. He and his family reside in North Carolina in the United States. A graduate of the Motorcycle Safety Foundation's Experienced Rider Course, he enjoys riding his Moto Guzzi in charity rides and serves as a volunteer motorcycle marshal for an annual bicycle charity event in the Carolinas.

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