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Aronson Insurance Blog

May is Motorcycle Awareness Month

Motorcycle Safety Awareness Month is a national initiative aimed at getting motorists and motorcyclists to “share the road” with each other.” The initiative aims to encourage riders to always wear helmets and other protective gear, never drink alcohol and ride, be properly licensed, get training and purchase the right insurance coverage.

Motorcycles are by their nature far less crashworthy than closed vehicles. They are also less visible to other drivers and pedestrians and less stable than four-wheel vehicles. Operating a motorcycle requires a different combination of physical and mental skills than those used in driving four-wheel vehicles. Motorcyclists and their passengers are more vulnerable to the hazards of weather and road conditions than drivers in closed vehicles.

In 2011 motorcycle fatalities rose 2.1 percent to 4,612 from 4,518 in 2010.In 2010, 55 out of every 100,000 registered motorcycles was involved in a fatal crash, compared with only 9 out of every 100,000 passenger cars, according to the National Highway Traffic Safety Administration (NHTSA). Motorcyclists were about 30 times more likely than passenger car occupants to die in a crash per vehicle mile traveled in 2010 and five times more likely to be injured, according to NHTSA. (Note: statistics on fatal motorcycle crashes are also available from the Insurance Institute for Highway Safety).

If you are in the market for motorcycle insurance, you must carry a minimum amount of liability coverage; this covers bodily injury and property damage that you may cause to other people involved in an accident. It does not cover you or your motorcycle. An additional option within your liability insurance is first-party medical coverage, in the event you want to be reimbursed for bodily injury expenses you incurred while on your motorcycle. You may also be able to purchase coverage for medical bills received from an injured party, ranging from $2,000 to $25,000. Other coverages available to motorcycle owners are: collision (covering damage to your motorcycle); comprehensive (covering damage caused by events other than a collision, such as fire, theft or vandalism); and uninsured/underinsured motorist coverage (covering damages to you and your property caused by another driver who either does not have insurance or whose insurance is inadequate).

Many factors can affect how much you will pay in motorcycle insurance premiums, including:

Driver’s age and driving record
Where the driver lives
Model, style (sports bike vs. cruiser) and age of the motorcycle
Number of miles the motorcycle is driven each year
Where the motorcycle is stored

Call us today for any questions regarding Motorcycle Coverage and remember to drive responsively!