Why Motorcycle Drivers Should Consider Additional Insurance Coverage

Motorcycle accidents are a serious concern for riders in St. Louis, Missouri, where busy roads and high traffic volumes can heighten the risk of collisions. Riders often face unique challenges, from visibility issues to distracted drivers, making accidents all too common. If you’ve been involved in such an accident, it’s essential to seek advice from a lawyer specializing in motorcycle accidents in St. Louis, Missouri, to understand your rights and options. 

St. Louis, a vibrant city known for its iconic Gateway Arch and bustling urban streets, sees its fair share of motorcycle traffic, especially along popular routes like I-64 and I-70.

Unfortunately, the city's fast-paced traffic and busy intersections can be hazardous for motorcyclists. Weather conditions, such as rain and snow, also play a role in increasing accident rates, further complicating the riding experience in this region. Motorcyclists in St. Louis must not only be vigilant but also well-prepared for potential accidents by ensuring they have the right insurance coverage. 

Legal experts in the area can guide you through the process of securing compensation, covering medical bills, and dealing with the financial aftermath of a crash, providing the support you need to move forward safely.

1. Risks on the Road:

The freedom motorcycles offer also entails certain risks unique to two-wheeled vehicles. Motorcycles are more susceptible to accidents due to their smaller size compared to cars and trucks. This vulnerability puts riders at an increased risk of injury or damage during collisions.

2. Underinsured/Uninsured Motorists Coverage:

While most states mandate liability insurance for motorcycles, many drivers on the road lack proper insurance coverage or are underinsured, posing significant risks for other motorists and bikers alike. By opting for underinsured/uninsured motorists (UM/UIM) coverage, motorcycle drivers add an additional layer of protection that can cover expenses resulting from accidents involving motorists without adequate insurance.

3. Medical Payments Coverage:

Motorcycle accidents often result in severe injuries requiring immediate medical attention and ongoing treatment. Adding medical payments coverage ensures that any medical expenses incurred by the rider, regardless of fault, are taken care of up to policy limits.

4. Collision Coverage:

For motorcycle owners financing their bikes themselves or those who want comprehensive protection against potential damage during accidents, collision coverage is crucial. This type of coverage helps repair or replace your bike if it's damaged as a result of a collision with another vehicle or object.

5. Comprehensive Coverage:

Beyond collisions with other vehicles, motorcycles can be vulnerable to damage from various sources, such as thefts, natural disasters, fire incidents, vandalism, or accidents caused by animals. Comprehensive coverage offers financial protection against non-collision damages, including theft and weather-related incidents.

6. Customized Motorcycle Insurance:

Unlike automobiles, motorcycles often undergo modifications to create a personalized look and improve performance. With standard motorcycle insurance policies, these customizations might not be adequately covered. Purchasing additional customized motorcycle insurance ensures that any accessories or modifications made to the bike are included in the coverage.

7. Roadside Assistance Coverage:

Unexpected breakdowns can happen to even the most well-maintained motorcycles. Adding roadside assistance coverage provides peace of mind by ensuring prompt help is available if riders find themselves stranded on the road due to mechanical failures or other sudden issues.

8. RV/Motorcycle Policy Bundles:

For motorcycle enthusiasts who also enjoy recreational vehicle (RV) adventures, bundling motorcycle and RV insurance policies can offer attractive discounts on premiums while providing comprehensive coverage for both your beloved bike and home-on-wheels.

9. Personal Injury Protection Coverage:

Motorcycle accidents can result in serious injuries that may require extensive medical treatment and rehabilitation. Adding personal injury protection (PIP) coverage to your motorcycle insurance policy can help cover medical expenses, lost wages, and other related costs for both you and your passengers, regardless of who is at fault in the accident.

10. Umbrella Insurance Coverage:

For motorcycle riders concerned about potential lawsuits or liability claims that exceed the limits of their primary insurance policies, such as bodily injury or property damage claims, an umbrella insurance policy can offer additional coverage. This extra layer of protection kicks in once the limits of your underlying policies have been exhausted and can provide peace of mind during unfortunate incidents.

11. Motorcycle Track Day Coverage:

Skilled motorcyclists often enjoy taking their bikes to racetracks for high-performance track days. However, these thrilling experiences come with their own set of risks that regular motorcycle insurance might not cover. Some insurance providers offer specialized track day coverage designed specifically for riders participating in events on a racetrack, providing an added safety net for these adrenaline-filled moments.

12. Safety Apparel Coverage:

In addition to protecting your bike, it's crucial to consider your safety as a rider. Protecting yourself with quality safety gear is essential, but items like helmets and riding jackets can be expensive to replace if damaged in an accident. Some insurers offer safety apparel coverage that reimburses you for the cost of replacing damaged safety gear due to covered events like collisions or thefts.

Conclusion:

Motorcycle drivers face their own set of risks on the road. Considering additional insurance coverage specific to motorcycles can provide vital financial protection and peace of mind. From personal injury protection and umbrella policies to specialized coverages for track days, safety gear, and financing gaps, exploring a range of coverage options ensures that motorcycle riders are adequately protected in all potential scenarios.