Why Can't I Get Motorcycle Insurance
Current gas prices are on the rise and the economy is coming to a halt so more people are riding motorcycles than ever before. The biker type has certainly changed. Grandpa probably has one in his garage.
Insurance seems to be the largest issue for most new bikers. Finding motorcycle insurance is harder than you may realize. Some who have just purchased their motorcycle may have been informed by their automobile insurance company that they could not cover them. Anyone who is thinking of purchasing a motorcycle might be surprised to learn that not all insurance companies are willing to provide motorcycle insurance policies.
You could be frustrated that your insurance company has denied coverage. You feel jilted by them since you have never had an accident and always paid your premiums on time. You might be thinking it is a great way to save a few bucks by combining your insurance policies. The reality is you may have to use two different insurance companies due to the bike. If you are locked in to your present policy and they will not provide coverage you have no other choice.
Insurance companies have their reasons., The real reason is not really about you or your record. The most common reason insurance companies do not provide motorcycle coverage is because of other drivers not the motorcyclist. Many people do not notice bikers on the road and this presents a risk for more accidents even if the rider is not at fault. This is one of the largest reasons for motorcycle accidents.
Even small mishaps run the risk of incurring more serious injuries to a motorcyclist. A fender bender while driving a car or truck will usually result in only a small claim for repairs to the vehicle and rarely creates a claim for serious injury.
There is very little protecting the biker from injury if they wreck and are knocked off their bike to the road. These issues make it more likely that there will be a claim for serious injury as well as a claim for a totaled bike. Helmet laws vary from state to state and insurance companies have to consider this. Some states will make a new biker wear a helmet and other states require no helmet at all. Travelling without a helmet is a huge factor in the insurance coverage and many companies are scared away from providing any coverage.
During the time you spend shopping for motorcycle insurance remember why it is so hard to find. You may have to call several places before finding an insurance company willing to provide motorcycle coverage at an affordable rate. With all the new bikes on the road there may be a change of heart for many insurance companies. If more people continue to ride to save money they will have to come up with a solution as they are in the business of making money and you have to go where the business is to make it - 23211
Insurance seems to be the largest issue for most new bikers. Finding motorcycle insurance is harder than you may realize. Some who have just purchased their motorcycle may have been informed by their automobile insurance company that they could not cover them. Anyone who is thinking of purchasing a motorcycle might be surprised to learn that not all insurance companies are willing to provide motorcycle insurance policies.
You could be frustrated that your insurance company has denied coverage. You feel jilted by them since you have never had an accident and always paid your premiums on time. You might be thinking it is a great way to save a few bucks by combining your insurance policies. The reality is you may have to use two different insurance companies due to the bike. If you are locked in to your present policy and they will not provide coverage you have no other choice.
Insurance companies have their reasons., The real reason is not really about you or your record. The most common reason insurance companies do not provide motorcycle coverage is because of other drivers not the motorcyclist. Many people do not notice bikers on the road and this presents a risk for more accidents even if the rider is not at fault. This is one of the largest reasons for motorcycle accidents.
Even small mishaps run the risk of incurring more serious injuries to a motorcyclist. A fender bender while driving a car or truck will usually result in only a small claim for repairs to the vehicle and rarely creates a claim for serious injury.
There is very little protecting the biker from injury if they wreck and are knocked off their bike to the road. These issues make it more likely that there will be a claim for serious injury as well as a claim for a totaled bike. Helmet laws vary from state to state and insurance companies have to consider this. Some states will make a new biker wear a helmet and other states require no helmet at all. Travelling without a helmet is a huge factor in the insurance coverage and many companies are scared away from providing any coverage.
During the time you spend shopping for motorcycle insurance remember why it is so hard to find. You may have to call several places before finding an insurance company willing to provide motorcycle coverage at an affordable rate. With all the new bikes on the road there may be a change of heart for many insurance companies. If more people continue to ride to save money they will have to come up with a solution as they are in the business of making money and you have to go where the business is to make it - 23211
About the Author:
Susan Reynolds is the webmaster for a leading South African Insurance Provider who specialises in Motorcycle Insurance Policies.
posted by X - Men @ 1:00 AM
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