Motorcycle Insurance: The Importance of Uninsured/Underinsured Motorist Coverage
Transportation has come a long way since the days of the horse and wagon, and while that progress has come with many perks, it has also increased the risks to those on the roadways. Regardless of how careful you are on your motorcycle, it only takes one negligent driver to cause a crash that could leave you with devastating injuries. So what happens if that driver is uninsured or underinsured? You are left with all of the injuries and no way to obtain financial compensation for your medical bills, lost wages, and pain and suffering, unless your own insurance will cover it.
The Vital Importance of UM Coverage
This is why uninsured/underinsured motorist coverage, often known simply as UM coverage, is so incredibly important to every single driver on the roadway, and especially to motorcycle drivers. With UM coverage, you know you can receive compensation for damages if your injuries are caused by a driver without appropriate insurance. UM coverage even comes to the rescue in hit-and-run situations when you have no other way to track down the person who hurt you.
If you live in Florida, the need for UM coverage is even more pressing. The state of Florida does not require motorists to carry bodily injury coverage, making it very likely that you can be hit and injured by a diver without liability insurance.
How to Put UM Coverage in Place
Check your motorcycle insurance policy immediately to check if you have liability insurance. If you do, your insurance company is then required to offer you an equivalent amount of UM coverage. The more UM coverage that you purchase, the more compensation you can receive to cover any unforeseen medical bills and lifestyle costs that arise as a result of a motorcycle accident.
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