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Uninsured Motorist Coverage

Motorcyclist Uninsured Motorist Coverage

Because most states require motorcycles to have insurance, a majority of drivers on the road have some amount of coverage, but that also means that some drivers have no auto insurance at all. If you get into an accident with an uninsured driver, what happens then? Pick up uninsured motorist coverage and find more peace of mind on the road ahead.

What Is Uninsured Motorist Coverage for Motorcycles?

Uninsured motorist coverage for motorcycles is an optional coverage that helps protect your finances if you’re injured by an at-fault driver who doesn’t have insurance on their vehicle. If the driver doesn’t have insurance at all, or if it’s a hit-and-run incident, you may end up having to cover the cost of the damage to your vehicle and/or medical expenses for you and your passengers.

Why Is Uninsured Motorist Insurance Important for Motorcyclists?

Even though almost every state requires a minimum amount of insurance for vehicles, there are some people out there driving without any coverage. A recent poll conducted by Insurance Journal found that 10% of drivers in the United States are without any form of car insurance. That means when you hit the road, 1 in 10 drivers are without any coverage at all — and their negligence leaves you at risk.

What Does Uninsured Motorist Insurance for Motorcycles Cover?

This coverage is designed to protect you and your passengers for bodily injury if you’re struck by an uninsured driver. It helps cover:

  • Medical expenses for injuries sustained in an accident
  • Loss of income if your injuries prevent you from returning to work for a period of time
  • Funeral costs
  • The costs of treating emotional and mental issues resulting from accidents

This includes coverage for the insured members of your household, as well as the passengers in your vehicle. It’s all about helping restore your physical, emotional and mental well-being.

What Is Underinsured Motorist Coverage for Motorcycles?

Another similar — and smart — coverage to have for your motorcycle is underinsured motorist coverage. Because most states require drivers to have only a bare minimum amount of bodily injury liability coverage in order to legally drive, a sizable percentage of drivers pay a low-cost insurance premium that meets the minimum requirement. And if that at-fault driver causes damage above their policy’s limit, you could be left to cover the rest of the expenses.

Underinsured motorcyclist coverage can help to bridge the financial gap when the at-fault driver’s policy limit does not extend far enough to cover the cost of these bills.

Additional Coverage for Motorcyclists

Want to learn more about your options for coverages? We’ve highlighted a few below:

Medical expense coverage. To help pay for medical care for you and your passengers, regardless of who is at fault, consider purchasing medical payments coverage.

Loan or lease assistance insurance. If you have collision insurance, you can add loan or lease assistance insurance to your policy to help pay the difference between what your motorcycle is worth and what you owe if you get into an accident. Sometimes called “gap insurance,” this add-on helps pay the difference if you have a total loss.

Collision coverage. To help pay to repair or replace your motorcycle, collision insurance is an optional coverage that’ll protect you if you’re in an accident with another vehicle or an object, like a tree. 

Selecting the right motorcycle insurance can give you more confidence on the open road. Remember to check in with your American Family Insurance agent to get an insurance quote and fine-tune your motorcycle coverage. You can build a strong policy ready to protect you wherever the road may lead.