{"id":2388,"date":"2020-11-15T19:24:47","date_gmt":"2020-11-15T19:24:47","guid":{"rendered":"http:\/\/www.nelsonboydlaw.com\/blog\/?p=2388"},"modified":"2021-09-02T19:29:34","modified_gmt":"2021-09-02T19:29:34","slug":"need-know-motorcycle-insurance-policy","status":"publish","type":"post","link":"https:\/\/www.nelsonboydlaw.com\/blog\/legal-tips\/need-know-motorcycle-insurance-policy\/","title":{"rendered":"What You Need to Know About Motorcycle Insurance Part 4: The Policy You Ought to Have"},"content":{"rendered":"<h3><span data-mce-mark=\"1\"><strong>The Policy You Ought to Have<\/strong><\/span><\/h3>\n<p>If that\u2019s the minimum, what\u2019s a <span style=\"text-decoration: underline;\">really solid policy<\/span> look like? It looks like the above, but with\u00a0these changes:<\/p>\n<ul>\n<li><em>Bodily Injury Liability Coverage<\/em> and <em>Uninsured\/Underinsured Motorist Bodily Injury\u00a0Coverage<\/em>: $250,000\/$500,000, with a $1 or $2 million \u201cumbrella\u201d on both types of\u00a0coverage (see below);<\/li>\n<li><em>Property Damage Liability Coverage<\/em> of $50,000, and;<\/li>\n<li><em>Personal Injury Protection<\/em> of $100,000.00.<\/li>\n<\/ul>\n<p>Yeah, the ideal policy is going to cost you some money. But it won\u2019t cost you anything like\u00a0what a wreck will cost you if you don\u2019t have enough insurance. At the next \u201cbike night\u201d look\u00a0around. See anyone who has been in a wreck? It happens \u2013 and it happens to bikers way\u00a0more often than it should. Protect yourself. The last thing you need as you are recovering\u00a0from a wreck is the worry of bill collectors, lawyers, and bankruptcy.<\/p>\n<p><span style=\"text-decoration: underline;\">\u201cUmbrella\u201d coverage<\/span> gives you a lot of extra coverage for not that much more money \u2013 <span style=\"text-decoration: underline;\">talk\u00a0to your agent about it!<\/span> You usually have to have pretty high limits on the underlying policy,\u00a0but it is worth it when you need it.<\/p>\n<p>There are a lot of good insurance companies and good insurance agents out there. Some\u00a0know bikes and some don\u2019t. Several companies are going out of their way to attract bike\u00a0owners as customers. Talk to several agents. See if they know what you are talking about\u00a0when it comes to the special needs of bike owners and riders. <strong><span style=\"text-decoration: underline;\">But most of all \u2013 protect\u00a0yourself.<\/span><\/strong> You don\u2019t know despair until you have been laying in a hospital bed because\u00a0some idiot ran over your bike and you get a letter telling you that they didn\u2019t have any\u00a0insurance and\/or they just filed bankruptcy. Or until you get sued for way more money than\u00a0you have coverage for. If you don\u2019t take care of yourself, no one else will take care of you.\u00a0Ride to live and live to ride \u2013 without the worries of what will happen if you have a bad day.<\/p>\n<p>Taken from: <a href=\"\/blog\/publications\/what-you-need-to-know-about-motorcycle-insurance\/\">What you Need to Know about Motorcycle Insurance<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":6,"featured_media":2395,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[109],"tags":[26,137,135,141,140,93,144,97,145,11,16],"class_list":["post-2388","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legal-tips","tag-insurance","tag-motorcycle","tag-motorcycle-insurance","tag-personal-injury-protection-insurance","tag-pip","tag-pip-insurance","tag-uim","tag-uim-insurance","tag-underinsured-motorist-insurance","tag-washington","tag-washington-state"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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