Motorcycle Safety: Why Insurance is Important

Motorcycle accidents can be very dangerous and costly. Less protection means you’re more likely to sustain injuries. This is one of the many reasons why insurance is so important; so you have coverage in case you are hurt. It also helps cover expenses for your bike, which could be very costly to replace.

What if I get injured?

In the case you are injured, it’s important to understand what damages you can potentially seek for injuries:

• Medical Expenses: includes ambulance fees, emergency room bills, doctor visits, surgery costs, physical therapy bills, prescription costs

• Lost Wages: lost pay from time missed at work, including time for which you have been forced to use accumulated sick leave

• Pain and Suffering: physical (and sometimes emotional) distress, physical disability, pain, loss of the ability to enjoy life, permanent disfigurement, and other elements affecting quality of life

• Loss of Affection or Companionship: an injured person’s spouse may claim these types of damages in the event the injured person is unable to fill the role that a spouse normally fills in the relationship and other out-of-pocket expenses due to your injuries.

With injury claims, you must ensure that you make them within two years of the date you were injured. Timing is important and can mean the difference between receiving compensation and suffering through your situation.

What if I’m not insured?

There is a type of insurance called Uninsured Motorist Coverage. It is a type of insurance that covers you when you are hit by a driver or cyclist that does not have insurance. It is typically paired with underinsured motorist coverage and can pay for both bodily injury and property damage. Motorcycle accidents can be very expensive and uninsured motorist coverage is a great way for you to ensure you are able to pay for damage, whether it is to yourself, another person or a vehicle.

Where You Can Go for Help

Buzzell, Welsh & Hill, based in Macon, serves the Middle Georgia area with over 100 years of combined experience. We’re here to help you get what you need when you’ve been injured. If you need our assistance, you can schedule a free consultation by calling us at (478) 217-2072 or clicking here to complete our contact form.