#UninsuredMotoristCoverage
If I Get in an Accident and the Other Driver Doesn't Have Insurance and It's Their Fault, Who Pays Their Medical (and Mine)?
Each state may have different coverage available on a motorcycle policy. When purchasing a motorcycle policy it is best to speak with a licensed insurance professional about your options for coverage. Contact your major medical carrier and find out if they cover motorcycle related injury with or without safety gear (Boots, Gloves, Helmet, Eye Protection etcetera). You should ask questions about coverage and be sure you purchase adequate limits based on your specific needs.
I Ride With Passenger a Lot of the Time. Is There Any Additional Coverage I Should Get?
Each state has different laws and rules regarding insurance. There can be many correct answers to this question based on where you live. Verify that your passenger has medical insurance of their own, and that it does not exclude a motorcycle related injury. Contact your insurance agent or the company that insures your bike directly and ask questions.
Why Uninsured And Underinsured Motorist Coverage Is Important
In a perfect world every motorist would have full coverage to cover any damage they cause in an accident. Unfortunately, this just is not the case. This is where Uninsured and Underinsured Motorist Coverage comes in.
