While motorcycles are much smaller than most automobiles, a motorcycle accident in SC could potentially have much more severe repercussions. This is why it is important to be aware of some of the small details when deciding on a motorcycle insurance policy. Below are some helpful tips to consider.
Not All Policies Are Created The Same
No two motorcycles are exactly the same and neither are motorcycle insurance policies. Your motorcycle insurance policy can be customized to meet the specifications and modifications made to your bike. For example, two 2006 Harley Davidson models can have different policies as dictated by a variety of upgrades and differences in those two bikes. Just as there is a wealth of options to choose from when customizing your motorcycle, there is also a wealth of options to choose from when customizing your motorcycle insurance policy.
Less Money Means Less Coverage
If a motorcycle policy is significantly cheaper than an auto insurance policy, make sure you read the fine print. Often times, these policies appear to be cheaper but in reality it is because there is significantly less coverage, including personal injury coverage. Don’t expect to pay significantly less for a motorcycle insurance policy that has proper coverage. When getting a price quote, it is important to look into what you are actually getting and go beyond the bare minimum coverage.
Because of the serious nature of motorcycle accidents, it is important to be prepared. Purchasing uninsured and underinsured coverage options can help immensely when you are in a collision with a driver who does not have insurance or has too little insurance to pay for repairs and medical treatments.
Also, for insurance companies to pay for additional damages not sustained in an auto collision, you will need comprehensive coverage. This usually includes theft and vandalism, as well as natural disaster, civil unrest, and collision with an animal.
Don’t Forget Your Gear
Motorcycle riders purchase various safety equipment to ensure their personal safety on the roadways. These kind of purchases are not cheap. This kind of gear includes gloves, eyewear, helmets and protective motorcycle clothing. In North Carolina the law calls for all motorcyclist to wear an approved helmet with a secured chin scrap while South Carolina only requires those under the age of 21 to wear an approved helmet. *See state websites for more information.
Roadside assistance for your bike goes beyond towing. This can protect motorcyclists who are taking longer trips and that may go out of state as well as those that run out of gas on the side of the road. Trip interruption is an add-on that will serve as a form of protection when something happens to your bike out on the road. This could provide extra peace of mind on long road trips and lone adventures.
When a motorcycle accident affects you or someone you love, the injury attorneys at Stewart Law Offices are ready to help. Our staff is experienced in motorcycle and auto accidents. Serving the South Carolina cities of Rock Hill, Beaufort**, Spartanburg and Columbia, as well as Charlotte, North Carolina, Stewart Law Offices can help get the compensation you deserve. Call us at (803) 408-7352