Why Motorcycle Insurance?

The number of motorcycle fatalities jumped seven percent from 4,630 to 4,950. The number of injuries spiked by 15 percent from 81,000 to 93,000. Depending on the type of coverage you select, motorcycle insurance can help pay for any lawsuits that arise due to any accidents that you caused. 
 

An avoidable cause of accidents is alcohol. More motorcycle fatalities involved blood alcohol concentrations (BACs) of 0.08 or higher compared to any other motor vehicle: 27 percent for motorcycles, compared to 23 percent for cars, 22 percent for light trucks and two percent for large trucks. Not driving after drinking is the simplest way to prevent alcohol-related accidents. But if you're injured, your insurance can pay for your medical expenses, regardless of who is at fault. 
 

The NHTSA estimates that if all motorcyclists involved in crashes had worn helmets, about 781 lives would have been saved. For preventing fatalities, this wearable safety feature is 37 percent effective for motorcyclists and 41 percent for their passengers. Even if you wear a helmet, your motorcycle may still be damaged. Motorcycle insurance can cover the cost of repair or replacement of your bike, even if you have custom parts and equipment.