{"id":2404,"date":"2016-11-13T18:14:26","date_gmt":"2016-11-13T18:14:26","guid":{"rendered":"http:\/\/www.nelsonboydlaw.com\/blog\/?p=2404"},"modified":"2021-09-02T21:43:57","modified_gmt":"2021-09-02T21:43:57","slug":"motorcycle","status":"publish","type":"post","link":"https:\/\/www.nelsonboydlaw.com\/blog\/publications\/motorcycle\/","title":{"rendered":"What You Need to Know About Motorcycle Insurance: What are all the Kinds of Coverage?"},"content":{"rendered":"

So what are all these kinds of coverage?<\/strong><\/h3>\n

What DO you need so that you are protected from the nightmares? First, you need to really\u00a0understand those eight kinds of coverage I listed above.<\/p>\n

1. Bodily Injury Liability Coverage<\/strong><\/em>
\nLiability Coverage is for the damage you do to the other guy. When you run a stop sign and\u00a0smash into somebody, your Liability Coverage steps in to take care of your legal\u00a0responsibility to that other person. In a bodily injury claim (also known as personal injury\u00a0claim), that is coverage for the other person\u2019s medical bills, lost wages, and what is\u00a0generally called \u201cpain and suffering\u201d. Also \u2013 and few people know this \u2013 your Liability\u00a0Coverage pays for a lawyer to defend you if you get sued.<\/p>\n

2. Property Damage Liability Coverage<\/strong><\/em>
\nThis is Liability Coverage for the damage you do to the other guy\u2019s vehicle or its contents,\u00a0and for their \u201closs of use\u201d claim (think \u201crental car\u201d).<\/p>\n

3. Uninsured\/Underinsured Motorist Bodily Injury Coverage<\/strong><\/em>
\nIf I can tell you one thing it is that you MUST understand the difference between Liability\u00a0Coverage<\/em> and Uninsured\/Underinsured Motorists Coverage<\/em>!<\/span><\/p>\n

These types of coverage, also known as \u201cUM<\/em>\u201d or \u201cUIM<\/em>\u201d Coverage, are insurance for YOUR\u00a0benefit. When some fool falls asleep at the wheel and drills you, and when that fool does\u00a0not have any<\/span> insurance (he is \u201cuninsured\u201d) or does not have enough<\/span> insurance (he is\u00a0\u201cunder<\/span>insured\u201d) your<\/span> UM\/UIM<\/em> Coverage will pay you<\/span> for what his<\/span> insurance would have paid\u00a0you if he had insurance. Let me repeat that \u2013 if someone causes a wreck and doesn\u2019t have\u00a0any, or enough, insurance, your UM\/UIM<\/em> Coverage will pay what the other person should\u00a0have paid, up to the limits of your \u00a0coverage.<\/p>\n

This is a big deal. Although Washington law says you have to have insurance to drive, a LOT of people don\u2019t have any insurance, and a LOT MORE don\u2019t have very much insurance. But a lot of people scrimp on their UM\/UIM<\/em> Coverage to save money. DON\u2019T!\u00a0Uninsured\/Underinsured Motorist Bodily Injury Coverage<\/em> is for your<\/span> medical bills, your<\/span> lost\u00a0wages, and your<\/span> pain and suffering.<\/p>\n

4. Uninsured\/Underinsured Motorist Property Damage Coverage<\/strong><\/em><\/p>\n

Uninsured\/Underinsured Motorist Property Damage<\/em> is for the damage the fool did to your<\/span> vehicle or its contents, and for your<\/span> \u201closs of use\u201d claim (think \u201crental car\u201d). With this\u00a0coverage, the deductible is limited by law to $250. This coverage can apply instead of\u00a0Collision Coverage<\/em> or in addition to it.<\/p>\n

5. Personal Injury Protection (PIP) Coverage<\/strong><\/em>
\nVery few people understand what Personal Injury Protection<\/em><\/strong> is all about \u2013 and that\u2019s a\u00a0shame, because it is like liquid gold<\/span>. This coverage pays for medical bills, funeral and burial\u00a0bills, income continuation, and loss of services incurred because of an accident. PIP is a no-fault<\/span> type of coverage. It does not matter how you got hurt \u2013 the other guy\u2019s fault, your fault,\u00a0no one\u2019s fault.
\nInsurers providing automobile insurance policies must offer minimum personal injury\u00a0protection coverage for each insured with benefit limits as follows:<\/p>\n

    \n
  1. Medical and hospital benefits of ten thousand dollars;<\/li>\n
  2. A funeral expense benefit of two thousand dollars;<\/li>\n
  3. Income continuation benefits of ten thousand dollars, subject to a limit of two\u00a0hundred dollars per week; and<\/li>\n
  4. Loss of services benefits of five thousand dollars, subject to a limit of two hundred\u00a0dollars per week.<\/li>\n<\/ol>\n

    You want this coverage! Your health insurance may pay some of bills from an accident, but
    \nyou may not have health insurance, or it may not pay for some types of treatment that you
    \nneed, or there may be deductibles and co-pays. The other guy\u2019s insurance may pay the bills
    \nin the long run, but usually not until the end of the case \u2013 which may be too late to save you
    \nfrom bill collectors. If no one is at fault, PIP may be the only coverage under your policy that
    \npays anything. Trust me \u2013 PIP is one of the best, and relatively cheapest, coverages you
    \ncan have. Get it.<\/p>\n

    6. Collision Coverage<\/em><\/strong>
    \nCollision Coverage<\/em> kicks in when you wreck (\u201cthe upset or collision with another object of\u00a0your covered cycle\u201d). This coverage is no-fault, and covers the damage from almost any\u00a0collision regardless of the reason (well. . . there are some exceptions written into every\u00a0policy). BUT, what does \u201ccover\u201d mean? If you think it means you get paid what you think\u00a0your bike is worth, you are dead wrong.<\/span><\/p>\n

    First, the difference between a wreck where your bike is \u201ctotaled\u201d and where it is repairable:\u00a0\u201cTotaled\u201d means the cost of fixing the bike is higher than the \u201cvalue\u201d of the bike. No matter\u00a0how much you love your \u2018ol Hardtail, if it would cost $12,000 to fix it, and it is only \u201cworth\u201d\u00a0$8,000, it is going to the dump. Also, insurance only pays<\/span> for your bike. Insurance\u00a0companies have no responsibility<\/span> to replace<\/span> your bike.<\/p>\n

    What does \u201cvalue\u201d mean? It means \u201cACV<\/em>\u201d or Actual Cash Value<\/em> (also known as \u201cFMV<\/em>\u201d or\u00a0Fair Market Value<\/em>). ACV<\/em> is the amount that someone would pay for your bike if you put it for\u00a0sale in the paper or on e-Bay. Put on your \u201cbuyers\u201d hat, and think what a stranger would\u00a0pay for your baby. Odds are, it\u2019s not what you think it is worth \u2013 but you may be stuck with\u00a0the \u201cstranger\u2019s\u201d value.<\/p>\n

    Since very few riders keep their motorcycle in its original condition, this \u201cvalue\u201d issue is often\u00a0a big problem as to custom work<\/span>, too \u2013 and one you may not even know about until it\u2019s too\u00a0late. The value of your bike is not<\/span> cost plus the amount of money or effort you have\u00a0invested. Putting $25,000.00 worth of paint and chrome on a $5,000.00 bike does not\u00a0necessarily mean the end result is worth $30,000.00. It is a rare modification that results in\u00a0a dollar-for-dollar return in the value. It does not matter how much you \u201chave in it\u201d, if\u00a0someone walking up to the bike would not pay you as much as you \u201chave in it\u201d.<\/p>\n

    Most of the time, loss or damage to any custom equipment or paint\/chrome, optional\u00a0equipment, or added equipment not<\/span> included as standard by the manufacturer is not\u00a0covered (or is covered only up to a very low amount, say, $500) unless there is a specific\u00a0endorsement to the policy.<\/p>\n

    Talk to your agent about this<\/span>! Get the coverage you want and expect! There are special\u00a0coverages or special policies available that will cover a bike and its accessories based upon\u00a0an agreed value, or a value from an appraisal done before<\/span> you wreck. This kind of coverage\u00a0is not<\/span> what you get in standard policies. If you haven\u2019t dealt with this when you get your\u00a0policy you may be in for a nasty fight after a wreck. These claims are very tough to fight in\u00a0court, as a practical matter, because of the dollars involved and slow court calendars.<\/p>\n

    7. Comprehensive Coverage<\/strong><\/em>
    \nComprehensive Coverage<\/em> takes care of damage to your bike from accidental losses other\u00a0than those caused by a collision (fire, theft, etc.). However, \u201ccomprehensive\u201d does not mean\u00a0\u201ceverything.\u201d There are often exclusions<\/em> for many things, such as your clothes, your tools, or\u00a0custom items. Helmets are often covered (although some policies are limited to a\u00a0\u201cDepartment of Transportation approved helmet\u201d). Insurance companies, at least, believe it\u00a0is in your best interest to wear a helmet and will \u201creward\u201d you for wearing one.<\/p>\n

    8. Towing & Storage Coverage<\/strong><\/em>
    \nYou had to put it down. What now? You can\u2019t just leave it by the side of the road. And after\u00a0someone charges you to tow it somewhere, storage charges can be $20\/day or more.\u00a0These charges usually are not covered in your Collision Coverage or Comprehensive<\/em>\u00a0Coverage<\/em>. Cover these risks by getting insurance for them.<\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":6,"featured_media":2390,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3],"tags":[26,137,375,135],"class_list":["post-2404","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-publications","tag-insurance","tag-motorcycle","tag-motorcycle-coverage","tag-motorcycle-insurance"],"acf":[],"yoast_head":"\nWhat You Need to Know About Motorcycle Insurance: What are all the Kinds of Coverage? - 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\/motorcycle\/\" \/>\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: What are all the Kinds of Coverage? 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