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.
Locating insurance is the main complaint of many new motorcyclists. The search for coverage is actually quite tough. If you just recently bought your first motorcycle you possibly have been told already by your current insurance company that they will not be able to supply coverage for your bike. If you have not bought a motorcycle and are thinking about it, check with your insurance company to find out what their policies are.
It may bother you that your current insurance company has refused to supply you with coverage. You may be a perfectly safe driver who has never allowed their policy to lapse. So why would they turn you down? Most of us know that combining insurance policies is a great way to save money. The fact remains that you may have to start using a new insurance company to get your motorcycle coverage. If you are stuck n your current policy or maybe just renewed it you may have to deal with having two different companies insuring you.
Insurance companies have good reasons for denying coverage to motorcyclists. You may be surprised but their largest reason has nothing to do with you. The largest reason insurance companies will not provide motorcycle coverage is the other drivers on the road. There are too many drivers who simply do not notice bikers on the roadways making them a risk for more accidents even though the rider is not the cause. Most motorcycle accidents are because of other drivers and the main excuse is they did not see them.
Smaller accidents can create more serious injury on a motorcycle than in a car or truck. In a fender bender with a car or truck the insurance company might have to pay for paint and maybe a fender. In a fender bender with a motorcycle even a small mishap could bring a claim for replacement of the bike as well as serious injury to the rider.
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.
When you start shopping for motorcycle insurance you might find that many companies do not offer it. There are companies that will insure your motorcycle though, you may pay more than you expected the prices are still affordable. Insurance companies are here to protect us but they also need to make money and with motorcycles they see it as a bad risk because of the lack of protection the bike offers for the rider.
Susan Reynolds is the webmaster for a leading South African Insurance Portal that provides consumers with the best Motorcycle Insurance Options.
