Do you ride a motorcycle? Do you have motorcycle insurance? If not, don’t ride that bike!!! Seriously, do not ride a motorcycle unless you have motorcycle insurance.
If you are injured while riding a motorcycle, due to someone else’s negligence, your automobile insurance will NOT protect you. Do not assume that all drivers carry liability insurance or that all drivers carry enough liability insurance. Many do not.
In our experience, there are no “minor” injuries or small injuries that occur when people are injured on motorcycles. The injuries always require medical treatment and often require surgery, extensive hospitalization, and time missed from work. If you do not have motorcycle insurance, this is how the math may work against you:
- Negligent Driver’s Liability Insurance ($25,000) + your insurance ($0) = $25,000 max to you
- Negligent Driver’s Liability Insurance ($0) + your insurance ($0) = $0 to you!
Washington only requires that drivers purchase $25,000 in liability insurance. Some states require even less. That is an important thing to remember if you are taking long distance motorcycle trips.
Fortunately, it is easy to protect yourself. Go to your insurance agent and purchase motorcycle insurance that includes Underinsured Motorist Insurance (UIM). Because of the severity of injuries suffered in motorcycle collisions, we believe you should have at least $250,000 in motorcycle underinsured motorist coverage.
Please, do not ride your motorcycle unless you have a motorcycle UIM policy. Take this simple and easy step to protect yourself.
If you have been injured in a motorcycle collision, call Nelson Boyd attorneys for a free consultation- (206) 971-7601.
For more information about motorcycle collisions, see Jeff Boyd’s article on the subject