There are many reasons why you should get motorcycle insurance. While many purchase MC insurance to avoid getting in trouble with the law, there are also some who purchase more coverage for personal reasons. Motorcycle insurance benefits you whatever your reasons you have for getting one.
Abide by the Law
As a motorcycle owner, you should know that MC insurance is mandated law. The minimum requirement dictated by law is the liability motorcycle insurance. This basically covers the medical expenses and damages on the other party involved in the accident.
Many people find this MC insurance a burden. But then they still buy it to follow the law. Of course, they still benefit more from it when they do so. Aside from the additional protection you get, you don't risk getting caught without motorcycle insurance.
Since the MC insurance provide you sufficient coverage to cover the damages of the other party and the expenses for the treatment of the injuries of the other party, you even avoid getting sued because of the accident.
Protect Your Health and the Other Party
Again, the minimum motorcycle insurance requirement protects the other party. Any party is assured that they would be covered when they meet an accident with you. And so any injury acquired because of the accident can be treated. The minimum MC insurance was, in fact, designed for such protection.
In addition to that, you could also ensure that medical expenses for treating your injuries would be covered depending on the motorcycle insurance you purchase. The medical payments coverage could even cover such expenses no matter who is at fault in the accident. Of course, this requires addition payment. But it's also worth paying for because you get additional coverage.
Protect Your Personal Property
In addition to the minimum MC insurance required by law, you can get collision motorcycle insurance. While the law protects the other party, you can protect your property by getting this MC insurance. There is a deductible for this type of motorcycle insurance. But the rest would be covered by the insurance. A higher deductible would make the MC insurance cheaper. But it would provide a lower coverage. This type of insurance only covers up to the amount of the book value of the motorcycle though.
When you get comprehensive motorcycle insurance, your motorcycle is even protected even if the damage is not caused by accidents. It would be covered against fire, theft and vandalism. But again, the coverage is limited up to the book value of the motorcycle only.
You could also get more coverage for accidents caused by uninsured and underinsured parties. So even if you get bumped by an uninsured party, you still have coverage to cover the repairs or replacement of your motorcycle.
You can certainly get protection when you insure your motorcycle. But the extent would be up to you. It's best that you know what you are buying. And you should buy according to the level of protection or your purpose of buying the insurance as well.
Abide by the Law
As a motorcycle owner, you should know that MC insurance is mandated law. The minimum requirement dictated by law is the liability motorcycle insurance. This basically covers the medical expenses and damages on the other party involved in the accident.
Many people find this MC insurance a burden. But then they still buy it to follow the law. Of course, they still benefit more from it when they do so. Aside from the additional protection you get, you don't risk getting caught without motorcycle insurance.
Since the MC insurance provide you sufficient coverage to cover the damages of the other party and the expenses for the treatment of the injuries of the other party, you even avoid getting sued because of the accident.
Protect Your Health and the Other Party
Again, the minimum motorcycle insurance requirement protects the other party. Any party is assured that they would be covered when they meet an accident with you. And so any injury acquired because of the accident can be treated. The minimum MC insurance was, in fact, designed for such protection.
In addition to that, you could also ensure that medical expenses for treating your injuries would be covered depending on the motorcycle insurance you purchase. The medical payments coverage could even cover such expenses no matter who is at fault in the accident. Of course, this requires addition payment. But it's also worth paying for because you get additional coverage.
Protect Your Personal Property
In addition to the minimum MC insurance required by law, you can get collision motorcycle insurance. While the law protects the other party, you can protect your property by getting this MC insurance. There is a deductible for this type of motorcycle insurance. But the rest would be covered by the insurance. A higher deductible would make the MC insurance cheaper. But it would provide a lower coverage. This type of insurance only covers up to the amount of the book value of the motorcycle though.
When you get comprehensive motorcycle insurance, your motorcycle is even protected even if the damage is not caused by accidents. It would be covered against fire, theft and vandalism. But again, the coverage is limited up to the book value of the motorcycle only.
You could also get more coverage for accidents caused by uninsured and underinsured parties. So even if you get bumped by an uninsured party, you still have coverage to cover the repairs or replacement of your motorcycle.
You can certainly get protection when you insure your motorcycle. But the extent would be up to you. It's best that you know what you are buying. And you should buy according to the level of protection or your purpose of buying the insurance as well.
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