As of 2018, there were 8.3 million motorcycles driving on US roads.  

This number continues to increase every day, particularly as sunny days and warmer weather come about. All drivers have the right to understand and be aware of all the factors that come into play when getting involved with these types  of motorcycle insurance policies, and how it separates from car insurance.  Exploring  motorcycle and car insurance coverage is crucial for a safe and enjoyable ride.

Insurance policies, rights, and options for motorcycles requires more understanding from its users is insurance.  Although many might believe that their car insurance will protect them if they get into an accident with their motorcycles, they are greatly mistaken. Indeed, depending on state laws, it may even be illegal to drive around without having a separate motorcycle coverage in possession. It is also mandatory for this coverage to list all the people who utilize this motorcycle regularly, as everyone is equally involved. With a separate motorcycle policy, all parties involved will avoid out-of-pocket payments if any medical bills or damages occur in the event of  a motorcycle accident.

In comparison to car insurance, a topic in-which most people have some degree of knowledge, experience, and understanding, motorcycle insurance can be a much more difficult endeavour. There are a range of variables, that effect our insurance experience, what we receive, what is offered, and what to look for. Once a rider has received a motorcycle license, the natural next step is acquiring insurance to enjoy their new motorcycle to the fullest. However, what applies to one vehicle’s insurance may not apply to the other, and in the event of an accident or mishap motorcyclists could find themselves on the hook for serious damages, fines, and other significant fees. Obtaining motorcycle insurance is a similar process to obtaining car insurance, but there are several factors to consider that could be overlooked, if brought to your attention at all. For instance, if you already have valid driver’s licence, it is not the equivalent of getting your M (Motorcycle) licence, the same logic applies for motorcycle insurance. Having car insurance, does not necessarily mean you’re covered in motorcycle insurance. There are two ways to go about addressing this issue: one of the options is to purchase a motorcycle endorsement that tacks onto your existing car insurance, or purchasing a motorcycle insurance policy outright; however, the former is much higher risk than the latter. It’s highly recommended to compare quotes from different  providers and settle on the best insurance policy, and available options in order to get an affordable, all-inclusive coverage package. Gaining  in-depth information about the insurance policies, including why they exist, the  requirements, guest passenger liability, and how you can make sure you are properly covered when riding this bike.

A motorcycle endorsement could be considered a minor insurance policy, often times it is view as more of an acknowledgment than a full coverage. What this means is that in the event of an accident or injury, riders may end up paying for a majority of the damages out of pocket. That is why a separate and full motorcycle insurance policy is advisable in most if not all cases. Having a full motorcycle insurance policy gives riders peace of mind as well as more significant financial aid should they need it. Insurance of any kind makes sure to cover even the small details that can seem second nature, and therefore are not always considered. An example of this to keep in mind is helmet use among motorcycle riders, it’s no secret that helmets are statistically proven to reduce serious injury and death in the event of an accident, and while helmet use may not be a question in Canadian law, mandatory helmet use varies state to state in the US, with some maintaining mandatory law, some requiring temporary wear for new riders, and others being helmet optional if the rider has private medical insurance. When shopping for motorcycle insurance in the US, it is worth noting that states with mandatory helmet laws have lower insurance premiums than their helmet-optional counterparts. There is another concept to consider when it comes to guest passenger liability insurance which, as the name suggests, insures motorcycle passengers in addition to the owner and rider. This may seem like an essential and basic aspect of motorcycle insurance, but unlike car insurance, guest passenger insurance is not always included with basic policies or packages. Simply double-checking, doing your research, or asking your insurance brokerage is a smart way of making sure all your proverbial bases are covered. All riders  must have insurance to enjoy the road, but it literally and figuratively pays to be smart about your policy. Make absolute certain that you or your loved one that love the joy ride of a motorcycle do the research and ask the questions in order to get the proper insurance policy plan. Ensure absolute safety, optimizing the best experience on the bike.

It is important to educate yourself on and get covered if you become  involved with this mode of transportation. Not only will this keep you and your passengers safe,  but you will also get to enjoy these warm summer days with no fear of getting caught for any illegal means.