Motorcycle Insurance Articles
Uninsured Accidents And Their Effects On New Motorcycle Insurance Quotes
2010-07-24
Of course, you would never want to ride your bike without proper insurance, but sometimes gaps in coverage do happen. And when they do, sometimes accidents happen, too, which can leave you wondering how an uninsured accident will affect you, your motorcycle insurance and any motorcycle insurance quotes you might need for a new bike.
The good news is that being involved in uninsured accidents does not necessarily mean you will not be able to get a reasonable insurance quote on any new motorcycle you get. For example, if you are insured but were in an accident with an uninsured driver, you might already have accident forgiveness coverage as part of your insurance policy. In other words, if you are not at fault for the accident, you will not face any penalty with your insurance company, or even with the law. Or, if you have good coverage on your policy and are not at fault for the accident, your insurance should still cover any damage to you or your bike even if the person responsible for the accident is un-insured or under-insured. This kind of coverage is often referred to as uninsured and/or under-insured motorist property damage. In many states and with many policies this might even be included in your collision coverage.
Unfortunately, if you are part of an uninsured accident and are the uninsured party, that might affect your future motorcycle insurance quotes. But there are also many other factors that go into providing you with fair and affordable motorcycle insurance. First of all, the more you shop around, the more likely you are to get a good price. Getting quotes from at least three insurance companies is usually a good idea. Getting recommendations from friends and family is also helpful, as is getting recommendations from fellow motorcycle enthusiasts. Often other riders have good insurance policies and good relationships with insurance agents who may be able to offer excellent coverage and customer service. Having an otherwise good driving record can also help you secure an affordable insurance policy.
Also, there may be some things you can do to lower the cost of your insurance. For example, many insurance companies offer discounts if you insure multiple motorcycles, or even multiple vehicles of all types (cars, trucks, etc.). Insurers may also offer a discount if you complete an approved motorcycle knowledge and safety course. Of course, the more experience you have riding a motorcycle, the lower your insurance cost is likely to be. Finally, senior citizens are also usually eligible for motorcycle insurance discounts.
After you pick out your perfect bike, be sure to pick out your perfect insurance.