Do You Need Separate Insurance to Cover Your Motorcycle?
As a motorcyclist, you’re well aware of the dangers you face every time you ride. Unlike people in passenger vehicles, you have nothing protecting you from serious injuries when you’re in a crash except for the gear you wear. That means it’s essential to have insurance to compensate you for your expenses, especially if the driver who hits you is underinsured or uninsured.
But what if you already have insurance coverage for your car, truck, or SUV? Do you need separate coverage for your motorcycle, too? YES—but many insurers offer bundles that can save you money and make it easier to keep track of your policies.
Regardless of what type of policy you purchase, know that it’s required by law in Virginia to have valid insurance when you use the state’s roads, whether you’re driving in a passenger vehicle or riding a motorcycle. Motorcycle insurance is offered similarly to regular auto insurance, and you’ll have many options when it comes to protecting yourself and your bike when picking a policy.
But because the threat of injuries is so much greater for motorcyclists, it’s important to purchase uninsured/underinsured coverage that goes beyond the state’s minimum. Otherwise, you may still end up paying for your crash-related costs out of pocket. It’s also advisable to look into Medical Payments coverage, which can help with your medical bills regardless of who was at fault for your crash.
Ultimately, having more insurance is always a good thing when you’re in a crash, but there’s no guarantee you’ll get the money you’re owed. That’s where we come in. After a motorcycle accident, get our Roanoke motorcycle accident lawyers on your side. We’ll fight to ensure the insurance company treats you fairly. Contact us today for a free consultation.
Motorcycle Season Is Almost Here, But Not All Drivers Are Ready for Bikers
There are still a few weeks of winter left, but temperatures have already started rising throughout Virginia. And with spring just around the corner, many bikers have already brought their motorcycles out of storage and hit the state’s highways and scenic routes.
When riding for the first time after a long winter, you should always check your motorcycle’s critical components, such as tires, brakes, and lights. You should also start off with an easy ride to re-acquaint yourself to getting around on two wheels. But unfortunately, there’s one risk factor of riding that you can’t control or minimize: the actions of other people on the road.
Other drivers are always the biggest risk factor for motorcyclists. And even in the middle of summer when bikers are at their most prominent on Virginia’s roadways, too many drivers still fail to look for them or give them space. The issue is even worse in late winter and early spring when drivers haven’t needed to be on the lookout for bikers nearly as much as they do at other times of year.
Thankfully, you CAN make yourself more difficult to overlook by taking these measures:
- Wearing brightly colored riding gear
- Wearing all the gear, all the time (that means helmet, riding jacket, pants, gloves, and boots)
- Turning your headlights on, even during the day
- Sticking to well-lit highways and roads
- Avoiding riding at night and during inclement weather, such as rain or fog
If you or someone you love is injured by a negligent driver this spring or any other time of year, our Roanoke motorcycle accident lawyers are here to help. Contact Skolrood Law Firm today for a free consultation.
WHY IS THE INSURANCE COMPANY GIVING YOU A HARD TIME AFTER YOUR MOTORCYCLE ACCIDENT?
All individual people have certain biases. But we expect big corporations—especially ones like insurance companies that make decisions that impact our lives—to operate as objectively as possible. Unfortunately, that’s rarely the case. The people who decide who gets settlements and how much they get are called adjusters, and they often have many strong opinions and preconceived notions about claimants.
Those biases come into play most heavily with motorcycle accident claims. Insurance companies are almost always skeptical of compensation claims, and when those claims are filed by motorcyclists, their skepticism increases tenfold. That’s because insurers and their teams of adjusters often believe that all motorcyclists are reckless speed demons with little to no regard for safety.
But as we all know, the vast majority of motorcyclists are safety-conscious and committed to doing the right thing while on the road. Unfortunately, it can be difficult convincing the insurance company of your commitment to safety and obeying the law without a lawyer on your side. That’s where we come in.
Our Roanoke motorcycle accident lawyers know the unique challenges associated with representing injured riders. We know that insurance companies are reluctant from the get-go to pay them what they deserve, and they even look at hard evidence with skepticism. But we’re here to say this: trust our experience and track record of success.
At Skolrood Law Firm, we work hard to get our clients paid, even in the face of major adversity. We won’t take no for an answer from the insurance company, and we won’t give up even if they refuse to pay you what you deserve. Contact us today for a free consultation.