Many drivers are in a hurry to buy an insurance policy just to avoid a parking or speeding ticket. Merely fulfilling legal insurance requirements is not always enough. In some states, you won’t be required to purchase an insurance policy with much needed packages. If you just go for a general insurance policy, you won’t be protected well. Ask questions to your insurance agent and conduct a short online research on insurance policies if possible.
Chances of your motorcycle damaging someone else’s on the road are quite high if you are a new rider. Property damages may also include ruined fences, garages, and cars. For all such damages, damage liability coverage will protect you to the maximum limit. You also need to understand these liabilities for uninsured and underinsured drivers.
If the driver at fault is not insured enough, an uninsured or underinsured driver’s plan will cover you. These plans are not always included in a general motorcycle insurance policy, so it is good idea to ask your insurance agent whether you are protected in such cases or not.
Need More Proof That You Need Insurance? Consider These Statistics…
When you are trying to figure out how much coverage to buy, it is a good idea to take a look at motorcycle safety statistics. This information will help you get a clear idea of how and when motorcycle accidents are most likely to happen. Before you start looking for the cut rate policies and quotes on the internet, it is important to assess both the risks and benefits of riding your bike.
Motorcycle safety statistics reports are disclosed by state departments every year. These reports may span over hundreds of pages. Here are some of the most important points from motorcycle safety statistics report that can help you find the right bike, driving tips, and insurance coverage:
- Nearly 3/4 of all motorcycle accidents were collisions. These accidents happened when a motorcycle collided with a passenger automobile on the road.
- Nearly 10% of the total accidents are single vehicle accidents. These are the accidents where a motorcycle hits a fixed object such as a traffic sign board, water tank on the roadside, or a roadway itself.
- Less than 3% of all accidents were caused by vehicle failure. Most of these accidents happened due to a puncture or flat tire. A rider may lose control over the vehicle due to a punctured tire.
- Nearly 2% of all accidents occurred due to roadway defects. These defects may include potholes, pavement ridges, and the presence of boulders. Also, animal hit and runs accounted for around 1% of all motorcycle accidents.
- It has been found that the most common reason behind motorcycle accidents is the failure on part of a motorist to recognize a motorcycle in heavy traffic. Motorists often fail to notice a motorcyclist on the road. This leads to a number of collision cases.
- Cases of deliberate hostile action on part of motorists are very rare.
- Many people complain about the weather, but it contributes only to less than 2% of all bike accidents.
- Most motorcycle accidents have happened in short trip regions. A rider meets an accident not very far from the origin of the trip. Not many people understand that long distance riders rarely meet any accident.
- More than half of all motorcycle accidents are also caused when a rider’s view is obstructed by other vehicles or excessive glare on the road.
- Riders in the age group 16-24 years are most likely to become victims of such accidents.
- The male population represents more than 95% of all motorcycle accident cases.