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.