The Walters Agency
Road hazards come in many types when driving, but when riding a motorcycle, the hazards come faster and in far more varieties under virtually all riding conditions. Single-track vehicles are among the easiest to disrupt during travel, with wind, rain, oil and whole lot of potential factors making it possible to suffer a single-vehicle accident while riding in the best of conditions.
Rounding a blind corner on a warm, sunny day in light traffic could pose all kinds of potential hazards. An RV or other vehicle could cross the center line coming from the opposing direction and create instant disaster. A dead dear could suddenly appear, legs-up and stiff as wood while waiting to take out the unsuspecting biker. Gravel, sands, water from lawn sprinklers, scared animals, bouncing balls soon after followed by cute, chasing kiddies and countless other possible perils all could conspire against a motorcyclist and send him or her to the hospital.
That's why it is so important to have the right kind of motorcycle insurance, which is a specialty type of property and casualty insurance. Unlike auto insurance policies, which generally are in effect for six months, motorcycle insurance policies usually last all year. And unless the motorcycle is a fast sportbike equipped with a high-performance engine and chassis wrapped in costly bodywork destined to get damaged in short order on many bikes, the premiums usually are much less when insuring motorcycles instead of buying auto policies.
Motorcycle and auto insurance policies work exactly the same with many of the same types of coverage available. Comprehensive, collision, roadside assistance and many other types of insurance coverage are available when insuring motorcycles. But because motorcycles generally cause much less damage to property and other people when in accidents, the cost of insuring motorcycles usually is a fraction of what similar coverage would cost for similar levels of auto insurance coverage.
Motorcycles that only are used off road can be protected by recreational vehicles insurance instead of motorcycle insurance. But if riding on public roads, state laws require insurance coverage on street-legal bikes to protect against mayhem.