Lots of Motorcycle Riders in the Gulf Coast and Bay Area don’t have enough coverage on uninsured motorist. In Texas it’s required coverage, but you are able to reject it in writing and lots of Insurance providers may not explain the important of including Uninsured Motorist on your motorcycle.
Uninsured and/or Underinsured motorist coverage will pay you for Bodily Injury if you are hit by someone who either doesn’t have enough insurance or doesn’t have any insurance at all. Since you are more physically exposed on your Motorcycle, making sure you have coverage for any injuries you sustain could be life altering.
Bikes are fixable or replaceable, your health needs the protection from injury that Uninsured motorist can provide you. Let’s say you’re on your bike cruising Kemah or on the Seawall and your hit by someone while you are riding. Even if they stop and they have insurance, the Minimum amount you are required to carry in Texas is $30,000. Lord Forbid you have a broken bone or need an extended hospital stay, $30,000 doesn’t go too far in today’s medical system. Your Underinsured motorist that you were smart and purchased would then apply and pick up medical expenses that went over and above the coverage from the negligent party.
This coverage is not very expensive but could be a valuable coverage. At Paula Smith Insurance we offer and suggest that all our Motorcycle Polices at least understand Uninsured and/or Underinsured motorist coverage, how it works and what the premium rate would be. We want you to be informed because the cheapest coverage is not what everyone needs. The most sensible coverage for your circumstances is what we are interest in providing.
Next time to take your Motorcycle out on a nice day and drive through Kemah, League City, Bacliff or San Leon, ask yourself if everyone on the road has Insurance and you are comfortable with the protection you have for yourself.