4 Myths About Motorcycle Insurance

​There are millions of individuals thinking about getting a motorcycle, and they all wonder if insurance is necessary. It is, after all, only a motorcycle. Wrong. Insurance is an important part of owning a motorcycle, but many misconceptions exist. The top four are listed below.

1. The Person Who Caused The Accident Will Handle The Payment
   Because the biker was not in the vehicle at the time of the accident, the other driver's insurance coverage will not cover them. Instead, unless a court ruling or settlement is reached, a motorcyclist will almost always need to file a personal injury lawsuit to seek compensation. 
   
   If a lawsuit does go to trial, recovering compensation can take years. As a result, carrying one's own insurance is a lot better option for a motorcycle rider.
   
   
2. I Don’t Need Motorcycle Insurance Because I Ride Safely
   This is yet another urban legend that many people believe. Even the best motorcycle riders can have an accident. There's always the risk that someone else on the road will cause an accident, no matter how good you are. That is why having motorbike insurance is crucial.
   
   
3. My Bike Is Too Old To Be Covered By Insurance
   This isn't the case! Any motorcycle, regardless of age, can be insured. It's a smart idea to insure an older bike. Your bike may not have the same safety features as a newer one if it is older. This increases your chances of being hurt in an accident.
   
   
4. Buying Bike Insurance Online Is Expensive
   When you buy third-party bike insurance or a complete policy online, you purchase directly from the insurance carrier. So, purchasing insurance online may be less expensive. 
   
   To top it off, when you get a two-wheeler insurance policy, you won't have to deal with a mountain of paperwork to finish the process. Instead, you can renew and file a claim from the comfort of your own home with a few mouse clicks.

Conclusion
Motorcycle insurance is often misunderstood. Many myths about motorcycle insurance can lead to drivers making uninformed decisions about their coverage. Hopefully, this information will help you make informed choices when purchasing your next policy.

At Family Auto Insurance Agency, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more information about our products and services by calling our agency at (313) 285-9042. Get your free quote today by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!