{"id":2397,"date":"2020-11-11T20:41:01","date_gmt":"2020-11-11T20:41:01","guid":{"rendered":"http:\/\/www.nelsonboydlaw.com\/blog\/?p=2397"},"modified":"2021-09-02T19:29:54","modified_gmt":"2021-09-02T19:29:54","slug":"need-know-motorcycle-insurance-much-coverage-enough","status":"publish","type":"post","link":"https:\/\/www.nelsonboydlaw.com\/blog\/publications\/need-know-motorcycle-insurance-much-coverage-enough\/","title":{"rendered":"What You Need to Know About Motorcycle Insurance Part 2: How Much Coverage is Enough?"},"content":{"rendered":"

How Much<\/em> Coverage is Enough?<\/strong><\/span><\/h3>\n

Remember \u2013 there is no such thing as a \u201cfull coverage\u201d policy. The most anyone can ever\u00a0be covered for by their policy is defined by the \u201climits\u201d of the coverage<\/span>. This works both\u00a0ways. For Liability Coverage<\/em> \u2013 you will only be protected against claims by others up to\u00a0your liability limit. The rest of the \u201cbill\u201d comes out of your pocket \u2013 or your hide. For\u00a0Uninsured or Underinsured Motorists Coverage<\/em> \u2013 no matter how bad you are hurt, or what\u00a0your case is worth, you will never get more than your UM\/UIM<\/em> Coverage limits.<\/p>\n

How much is enough? For Liability Coverage<\/em>, it is true that part of the answer to that\u00a0question depends on how much you have to lose. But if you like your bike, your house, your\u00a0paycheck and your driver\u2019s license, you better insure against losing them. Typically,\u00a0motorcycles do not do as much damage to the other guy as cars do. But if you put your bike\u00a0through the door of a car at 60 miles an hour it does not take much for the people in the car\u00a0to run up a small fortune in medical bills and lost wages, let alone their pain and suffering\u00a0claim.<\/p>\n

For Uninsured or Underinsured Motorists Coverage<\/em> \u2013 remember \u2013 this is coverage for what\u00a0happens to you<\/span>. Do you want to sell your<\/span> claim short? I can\u2019t begin to tell you how many\u00a0\u201cmillion dollar\u201d cases I\u2019ve handled where the person only got a fraction of that, because\u00a0that\u2019s all the insurance there was. There is no \u201cmagic fund\u201d out there<\/span> to take care of you \u2013\u00a0you have to take care of yourself by having adequate coverage.<\/p>\n

For Personal Injury Protection Coverage<\/em> \u2013 This does depend somewhat on your health\u00a0insurance picture. If you have great health insurance, you don\u2019t need as much PIP. But\u00a0what if you lose your job? What if your company \u201cdownsizes\u201d your health insurance? PIP is\u00a0cheap, and it is a life saver when you need it.<\/p>\n

So how much insurance should you have?<\/strong><\/h3>\n

In my opinion, you should not<\/span> be on the road unless you have these minimums<\/span>:<\/p>\n

1. Bodily Injury Liability Coverage<\/strong><\/em>
\n$100,000\/$300,000. This means One Hundred Thousand dollars for each person\u00a0who is injured, up to a total of Three Hundred Thousand dollars for everyone hurt in\u00a0one wreck. This may seem like a lot, but as I said, modern medical treatment is\u00a0expensive \u2013 medical bills and lost wage claims alone can add up faster than you can\u00a0imagine.<\/p>\n

2. Property Damage Liability Coverage<\/strong><\/em>
\nThe state minimum is $10,500. Are there any cars or bikes out there on the road\u00a0worth more than that? Absolutely! Think about how many new cars cost more than\u00a0$25,000 these days, and you will see that you need at least that much in Property\u00a0Damage Liability Coverage<\/em>, and you ought to have more to be really safe.<\/p>\n

3. Uninsured\/Underinsured Motorist Bodily Injury Coverage<\/strong><\/em>
\nThink back to \u201cWreck #3.\u201d How much would you want to be paid for that experience?\u00a0That\u2019s how much UM\/UIM<\/em> Coverage you should have. The law says that your\u00a0UM\/UIM<\/em> can\u2019t be higher than your Bodily Injury Liability<\/em> limits, so high UM\/UIM<\/em> limits\u00a0aren\u2019t cheap. But, again, $100,000\/$300,000 should be the smallest policy you\u00a0consider.<\/p>\n

4. Uninsured\/Underinsured Motorist Property Damage Coverage<\/em><\/strong>
\nWhat\u2019s your bike worth? Uninsured\/Underinsured Motorist Property Damage<\/em> is not\u00a0as important if you have Collision Coverage<\/em>, but there may be some price\u00a0advantages to having this \u2013 ask your agent.<\/p>\n

5. Personal Injury Protection (PIP) Coverage<\/strong><\/em>
\nDon\u2019t even leave your house<\/span> without $50,000 in PIP. Unless you have great health\u00a0insurance. Or unless you like paying medical bills out of your own pocket.<\/p>\n

6. Collision Coverage<\/strong><\/em>
\nYou need to cover the real value of your bike, cover the value of your modifications,\u00a0cover the value of your accessories, and cover the value of your loan. Why end up\u00a0\u201cin the hole\u201d when an accident happens? Unfortunately, there is a pretty good\u00a0chance that at some point in your riding career you\u2019ll need this coverage. Be sure\u00a0you understand what you have before you need it.<\/span> And don\u2019t try to save a buck by\u00a0having a high deductible. Do you really want to have to come up with the first $1,000\u00a0or more after a wreck? Odds are you\u2019ll have plenty of other needs for that money.<\/p>\n

\u00a07. Comprehensive Coverage<\/strong><\/em>
\nDitto Collision Coverage.<\/em><\/p>\n

8. Towing\/Storage Coverage<\/strong><\/em>
\nThis coverage isn\u2019t that expensive, and it covers bills that are really annoying to have\u00a0to pay out of your pocket. Get at least $100 or so for towing, and 30 days worth of\u00a0storage.<\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":6,"featured_media":2393,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3],"tags":[],"class_list":["post-2397","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-publications"],"acf":[],"yoast_head":"\nWhat You Need to Know About Motorcycle Insurance Part 2: How Much Coverage is Enough? - Nelson Boyd Attorneys, PLLC<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.nelsonboydlaw.com\/blog\/publications\/need-know-motorcycle-insurance-much-coverage-enough\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What You Need to Know About Motorcycle Insurance Part 2: How Much Coverage is Enough? 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