Motorcyclists face significantly higher risks on the road than other drivers, and unfortunately, encounters with uninsured motorists can leave riders financially devastated after an accident. When an uninsured driver causes a motorcycle crash, victims often struggle to recover compensation for medical bills, bike repairs, and lost wages. At Rock Hard Insurance Agency, located in Fontana, CA, we help motorcyclists understand how uninsured motorist coverage provides essential protection against these all-too-common scenarios.
What Uninsured Motorist Coverage Includes
This coverage steps in when an at-fault driver has no insurance or insufficient coverage to pay for your damages. For motorcyclists, this protection typically covers medical expenses, rehabilitation costs, lost income, and property damage to your bike. Some policies also include underinsured motorist coverage, which helps when the other driver’s insurance limits are too low to cover your full damages. Given that motorcycle accidents often result in severe injuries requiring extensive medical treatment, this coverage can prevent financial ruin.
Why Motorcyclists Especially Need This Protection
Statistics show that roughly 13% of drivers operate without insurance, and this percentage is even higher in some areas. Motorcyclists are particularly vulnerable because accidents involving bikes frequently result in serious injuries that generate substantial medical bills. Unlike car occupants, who are protected by vehicle structures, motorcyclists rely heavily on protective gear and have limited physical barriers between them and other vehicles.
Coverage Limits and Considerations
Most states allow you to choose your uninsured motorist coverage limits, often matching your liability limits. Higher limits cost more but provide better protection against catastrophic losses that motorcyclists commonly face.
Protect yourself from uninsured drivers who could derail your financial future. Contact Rock Hard Insurance Agency, located in Fontana, CA, to review your motorcycle insurance policy and ensure adequate uninsured motorist coverage.
