Education / Biker Insurance
There are about 8.6 million motorcycles registered in the United States.1 Some bikers have a passion for touring the back roads, while others seek the excitement of an off-road race. Many riders simply rely on their motorcycles or scooters to get where they need to go.
But there's no way around the fact that riding a motorcycle can be dangerous. Sadly, 4,976 motorcyclists died in crashes in 2015, and another 88,000 were injured (most recent statistics available).2
For this reason, it is important to learn how to safely operate a motorcycle before revving your engine. You may also want to make sure you have appropriate insurance coverage in the event of an accident.
Motorcycles are simply less crashworthy than closed vehicles. Here are some important safety tips to keep in mind.
Covering Your Chopper
Most states have minimum liability coverage requirements similar to those for automobiles, but owners of expensive motorcycles might want additional coverage to help protect their investment. Each of the following policies typically pays for covered expenses (up to policy limits) and may be subject to certain deductibles and exclusions.
Insurance premiums typically depend on the type of motorcycle you own, where you live, where you store and ride your bike, how often you ride, and your driving record. Sport models that are built for speed often cost more to insure than cruisers. If you ride only during certain months, you may be able to save money with a lay-up policy option that suspends collision and liability coverage during off-season months.
Motorcycle insurance may be available as a separate policy or as a rider (endorsement) to your auto policy. Your insurance agent can help you determine the type and amount of coverage needed based on your personal situation and lifestyle.
1, 3–4) Insurance Information Institute, 2016
2) National Highway Traffic Safety Administration, 2016
This information is not intended as tax, legal, investment, or retirement advice or recommendations, and it may not be relied on for the purpose of avoiding any federal tax penalties. You are encouraged to seek advice from an independent professional advisor. The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. This material was written and prepared by Broadridge Advisor Solutions. © 2018 Broadridge Investor Communication Solutions, Inc.
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