Why Can’t I Get Motorcycle Insurance
With the gas prices currently on the rise and the economy slowing down there are more motorcycles on the road than ever before. Bikers have certainly changed. You might even catch your grandpa riding one.
Insurance seems to be the largest issue for most new bikers. Finding motorcycle insurance is harder than you may realize. Some who have just purchased their motorcycle may have been informed by their automobile insurance company that they could not cover them. Anyone who is thinking of purchasing a motorcycle might be surprised to learn that not all insurance companies are willing to provide motorcycle insurance policies.
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 their reasons., The real reason is not really about you or your record. The most common reason insurance companies do not provide motorcycle coverage is because of other drivers not the motorcyclist. Many people do not notice bikers on the road and this presents a risk for more accidents even if the rider is not at fault. This is one of the largest reasons for motorcycle accidents.
Even small mishaps run the risk of incurring more serious injuries to a motorcyclist. A fender bender while driving a car or truck will usually result in only a small claim for repairs to the vehicle and rarely creates a claim for serious injury.
If the rider is thrown off the bike during an accident they are poorly protected against the hard pavement. This is why claims for serious injuries for motorcyclists are more likely. Insurance companies have to consider helmet laws as they vary from state to state. Many states will require newer bikers to wear a helmet and there are still some states that have no helmet laws in effect at all. The rider could be riding the bike and have an accident while not wearing a helmet this is reason enough for most insurance companies to refuse coverage.
During the time you spend shopping for motorcycle insurance remember why it is so hard to find. You may have to call several places before finding an insurance company willing to provide motorcycle coverage at an affordable rate. With all the new bikes on the road there may be a change of heart for many insurance companies. If more people continue to ride to save money they will have to come up with a solution as they are in the business of making money and you have to go where the business is to make it
Susan Reynolds is the content coordinator for a leading South African Insurance Provider who specialises in Motorcycle Insurance Options.
