Motorcycle Insurance Articles
Peak Times For Motorcycle Accidents
2010-05-03
Motorcycles are a great way to get from point A to point B, but unlike a car or truck, they also afford the rider a great way to get in touch with nature. Motorcycles combine the practicality of a gas saving way to get around with the thrill of adventure and being out on the open road. There is, however, the fact that motorcycles are not as safe as automobiles, and there is an inherent risk in riding a vehicle which affords the rider no protection around his body.
Statistics show that a large number of motorcycle accidents happen during peak rush hour times when people are in a hurry to get home, and are not always paying full time and attention. It is easy for a motorcycle to get into a car driver's blind spot, and when a driver can't see the motorcycle, he is more likely to pull out in front of the rider. Surprisingly, there are also a number of motorcycle accidents which occur in more rural areas at dusk and in the evening when deer are known to dart out in the road. Because motorcycles produce unique hazards for the rider by virtue of the fact that they are not enclosed, people considering a motorcycle purchase should also be researching the best motorcycle insurance. Motorcycle insurance coverage varies widely, and there are some important factors to be considered in making a decision.
One important question to ask yourself when considering types of motorcycle insurance coverage is whether or not you plan on transporting passengers. If you believe you might take a friend or family member for a ride sometime, then it is critical to purchase guest liability coverage in addition to standard liability coverage. It is also crucial to have motorcycle insurance for medical payments should you or someone else be hurt in an accident, and uninsured motorist coverage to protect you against the driver who has limited or no coverage. Collision insurance will cover repairs or replacement of your bike in case of an accident, but one thing a lot of people don't consider at all is comprehensive coverage to protect you from damage caused by vandalism, storms or some other unforeseeable circumstance.
Motorcycles are a great way to relax and enjoy the world around you. In order to get the most out of your motorcycle ownership, take a defensive driving motorcycle class and if at all possible, keep your speed lower when traveling rural areas in the evening hours when deer are most active. Research online to get the best rates. Careful thought and planning can make this undertaking one of the greatest adventures of your life.