When Do You Need Motorcycle Insurance?


Many people have the ‘it won’t happen to me’ mindset. This means that while hearing about different road accidents happening worldwide, they are frequently positive that their lives will never bring a similar situation. Because of this life position, many drivers neglect to buy insurance for their vehicles, which is a very common and grave mistake. 

Among different vehicles, motorcycles are inherently the most dangerous. The tiniest mistake can turn the exciting riding experience into a fatality. In order to feel safer, motorcyclists wear the best motorcycle gear: a helmet, boots, jeans with special protection, an armored jacket, gloves, etc. But what they frequently forget about is purchasing motorcycle insurance, which may come in handy when the gear failed to do its job. 

Many people ask when they need motorcycle insurance. The answer is simple: always. Every motorcyclist should get it right after buying their motorbike, and there are a couple of important reasons for it. Here’s everything you need to know:

In Case Of An Accident

No matter how badly you don’t want to accept this fact – no one is protected from an accident. Even if you drive very carefully, there are a lot of things that can cause it. A rainy day, a little lack of concentration, or other drivers can become the reason for a crash.

You can choose the cheapest motorcycle insurance or a more advanced one, but it will protect you from the liability during an accident. Very often, it is extremely difficult to prove that the accident was caused by the fault of another person. If your vehicle does not have insurance, get ready to pay a fortune for the damages caused to the other people involved in a crash.

Many people decide to hire attorneys in order to find help in similar situations. Indeed, sometimes, solving legal issues without any professional help is very difficult. Nowadays, you can seek advice online (like on this website: https://www.edbernstein.com/motorcycle-accidents/) or in person. Everything depends on your preferences.

We all know how expensive it is to repair a motorcycle. Depending on the brand and the year of production, the damaged parts can cost a lot. Sometimes, it isn’t easy to get new identical parts if you have a rare model.

But you’re lucky if the only thing you have to recover after an accident is the parts of a bike. Your health is more important. After a crash, you can severely damage your body. In this case, you’ll have to spend a lot of money on hospital bills, medication, and potential therapy.

Motorcycle insurance does not guarantee that an accident will not happen, but it will cover the expenses after it. So, you’ll have less financial and emotional issues to worry about if you have to recover after a crash.

By riding a motorbike, you put your health and the safety of others at stake. The losses of that party will be covered if you have the insurance. Therefore, you will not lose money on repairing the vehicle of another person. 

It Might Be Required By Your Government

In most of the U.S. states, motorcycle insurance is required by the law. In order to register your vehicle and get a license plate, you’ll need to prove you have the insurance. Otherwise, you will ride your motorbike illegally and can be punished.

Nobody is above the law. And the consequences you may bear for not abiding by it include:

  • Tickets and fines
  • Court appearances
  • License suspensions
  • License revocations
  • Points on a driving license
  • Arrest or detention

It’s always better to be safe than sorry and get insurance before it doesn’t lead to problems with the law.

It Can Cover Theft

Can you imagine this situation? You have finally saved money for the bike of your dream… It can be Honda, Ducati, or Harley. You have upgraded some parts, polished your front forks, and anodized the frame. Now it looks perfect to you. You are on cloud nine! But one day someone steals your baby.

If only I had purchased comprehensive coverage – you think. But it’s too late. By saving money on the best motorcycle insurance, you’ve lost your bike. This type of insurance covers losses caused by things other than a collision with a vehicle or stationary objects, like fire, vandalism, falling objects, and damage caused by animals.

The Bottom Line

Deciding to ride a motorcycle without insurance is irresponsible. You put your health and money at risk by doing it. Sometimes, formalities are very important, and they can cost you a lot. Consider buying insurance for the ultimate peace of mind.