Why You Need Motorcycle Insurance Motorcycles offer a great way to get around. They are fashionable machines.

They offer an easy and c onvenient way to avoid traffic. If you love these machines, you need to get motorcycle insurance. Th e law in most countries makes it mandatory to take out motorcycle insurance. Several factors motivat ed the passing of these laws. The main factor is t he ever increasing motorcycle accidents. Unlike ca rs, riding a motorcycle exposes you to more harm. Hence, accidents involving motorcycle are fatally gruesome. Moreover, motorcycles accidents seem to have increased significantly in the past few years . Therefore, most governments require you to take out Motorcycle Liability Insurance. You will need this kind of insurance to cover any injury on passengers riding with you on the motorc ycle. For example, it is a Friday evening and you are riding your bike with a friend. You have downe d a few drinks. Unfortunately, an accident occurs injuring both of you. The Motorcycle Liability Ins urance will cover all bodily injury to your friend . This cover also compensates any pedestrians you may hit with your bike. However, this motorcycle i nsurance is not a full cover. It does not cover yo ur personal bodily injury caused by the accident. Referring back to our example, let us assume that your accident had more parties. Your friend and a pedestrian are injured. The Motorcycle Liability I nsurance covers any bodily harm to these individua ls. Sadly, your bike collided with an uninsured ta xi driver. In this case, the best motorcycle insur ance you would need is the Uninsured/Underinsured Motorist Coverage. As the name suggests, this cove rage covers you and your bike if you are involved in an accident with an uninsured or underinsured d river. You can take out this kind of cover to give you more protection. Its monthly premiums usually

cost more but it is definitely worth it. If you love your bike too much, you need a differe nt kind of motorcycle insurance. The best bikes ar e costly. You want to protect your investment and enjoy the beauty of your bike. To do this, take ou t a Collision Insurance Policy for your bike. This covers the book value of your motorcycle before t he accident. This cover will restore your beautifu l bike. It covers you regardless of whether you we re at fault in the accident. This is a great cover especially if you live in an area where accidents are frequent. It provides great cover. If you want the greatest cover, take out a Compreh ensive Motorcycle Insurance for your bike. The pol icies l have mentioned above have their limitation s. You are in danger should an event occur that do es not fall under the terms of your policy. Avoid this by taking a comprehensive insurance for your bike. Comprehensive insurance covers you and your bike in the event of an accident. However, the mai n reason you should take out this kind of cover is that it also covers you in other scenarios. It co vers your pedestrians. It covers an uninsured/unde rinsured driver. It also covers your bike from the ft, vandalism, or fire.