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What Does Motorcycle Insurance Cover?

Given the fragile nature of motorcycles, having insurance coverage can be critical. According to the website of Habush Habush & Rottier S.C.®, even a minor accident can result to terrible injuries which could mean huge medical expenses on your part. A recent report by the National Highway Traffic Safety Administration (NHTSA) revealed that there were 4,586 deaths due to motorcycle crashes in 2014.

Having motorcycle insurance can help defray the cost associated with accidents. But what does it cover? Depending on which state you come from, the coverage may vary. Some policies may provide bodily injury and property damage liability. Others will include uninsured/underinsured motorist coverage while others will have personal injury protection. Let us break down each type of insurance and find out what they cover.

Liability Insurance

Liability insurance provides coverage for bodily injury and property damage and is almost required in every state. This type of insurance shoulders the medical costs and repair expenses of another person. When deciding on liability coverage, it is always a good practice to get as much protection as you can afford.

Comprehensive and Collision Coverage

If liability coverage shoulders for the driver’s expenses after a crash, collision coverage shoulders the cost of repair of your bike if you were at fault. It also shoulders the cost of damage to riding apparel and helmets.

On the other hand, comprehensive coverage provides protection to your motorcycle from theft as well as from falling debris. It can help defray costs for damages or for replacement of your motorcycle. Comprehensive and collision coverage includes a deductible which you will have to pay from your own pocket.

Total Loss Coverage

After all the damages are added up, total loss coverage will shoulder the suggested amount of a manufacturer for a current model year motorcycle of similar make and model. If your policy does not have total loss coverage, your motorcycle is covered for its current day value.

Medical Payments Coverage

Riding a motorcycle entails a lot of potential risks on your part. For this reason, you need to have sufficient amount on your policy to cover for any medical expenses especially if you do not have any health insurance.

Uninsured/Underinsured Motorist Coverage

Due to its small size, motorcycles can also be difficult to spot on the road. So you can imagine what will happen when an uninsured or underinsured driver collides with you at an intersection. This is where uninsured/underinsured motorist coverage comes in. It will shoulder your expenses when a property is damaged or you get injured.

Bad Faith Insurance and How To Deal With It

Have you ever been in a relationship with someone you assumed you could trust, only to have them at some point treat you as if you didn’t even exist or worse – have them worsen the situation by attempting to use sensitive information about you against you?

This need not be a scenario as these do occur in a more business circumstance that’s restricted to a more intimate setting – such is true of individuals who suffer from scenarios involving insurance bad faith. Unlike an intimate connection, one that involves you and an insurance provider in the end can be taken to court if the latter cheats about the former. And it’s happened enough over the years for there to be legal statutes over the problem.

According to the website of Smith Kendall PLLC, insurance providers are held legally liable to pay claims correctly and rapidly, as is the understanding between the two parties that’s been made in good faith. Should an insurer withhold such statements without reasonable alibis, due evidence, or intention that are sensible – they’re subject to legal action from the customer who trusted their services. If the insurance carrier can be proven to have acted in bad faith either maliciously or willfully, then the policyholder is justified to receive better compensation in relation to the initial arranged to invest.

It could be understandably daunting to go against a sizable corporation as insurance companies are often backed by several sources, even private lawyers of the own. But when we don’t make a stand for justice, these ungainly corporations learn that they can walk all over us with impunity. Holding them accountable for their broken promises can teach them otherwise.

If you or someone you know has been unjustifiably and dreadfully treated by an insurer by unlawfully denying statements without appropriate evidence or motive, then it is of the utmost importance that legal action is sought so that you can obtain the close and justice that you deserve.