Summer traffic includes motorcycles, and unfortunately the number of crashes increases with more drivers on the road. The kind of coverage you purchase for your motorcycle makes a difference. It’s important to make sure that your new Harley is insured for damages, but it’s equally important that you too can get fixed if you’re hurt because of a motorcycle accident.
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The newest trend in metro transportation has become the electric scooter. While convenient, quick, and fun, stop to consider your modes of self-protection before jumping on one and taking a ride. As with the proliferation of any device that ends up on the roadway, there’s been an increase in the number of accidents, injuries, and deaths involving electric scooters.
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The allure of motorcycling is more popular than ever today as baby boomers retire to the open road, women become the fastest-growing segment of new motorcycle owners, and people of all ages search for ways to avoid traffic jams, high gas prices and air pollution. For all of you out there strapping on your helmet and leathers, we dedicate this issue of You Should Know the latest on motorcycle safety.
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Automobile and Motorcycle Insurance Tips:
Liability coverage protects you if you (or another person driving your car with your permission) injure or kill someone or damage property. You should carry as much liability coverage as you can comfortably afford because damage claims today are sometimes settled for millions. State minimums don't come close to covering the cost of a serious accident.
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There are a number of stark differences between motorcycle accident insurance and car accident insurance in Minnesota. What most folks don’t realize until it's too late is that their motorcycle policy may not protect them if they are injured while riding.
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Motorcyclists are particularly vulnerable on our Minnesota roads, with 24 fatalities already this season—including four deaths in four days—a colossal jump from previous years, over a 50% increase from this time last year.
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Common sense tells us that motorcycling is simply more dangerous than driving a car. Aside from four wheels over two, cars are equipped with numerous safety features including seat belts, air bags and a surrounding structure that protects occupants in a crash. Motorcycles are also less visible to other drivers, and require more mental and physical skill to operate safely. Finally, motorcyclists are more vulnerable to bad weather and hazardous road conditions.
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With the downturn in the economy, more drivers are just carrying the state-required minimum insurance coverage or no insurance at all. Therefore, it is crucial that motorcycle drivers have sufficient uninsured (UM), underinsured (UIM) and personal injury protection (PIP) coverage.
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It's that time of year again when the motorcycles come out of storage and the enthusiasts hit the road after a long winter. As you get your motorcycle ready for the spring and summer, it's also important to check your insurance coverage to make sure you have adequate protection on your bike.
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