Uninsured motorist coverage is an optional coverage, but one that people would be wise to select. It does not cost much, especially when compared to other types of coverage, and it could provide much-needed help after an accident. Coverage for uninsured motorists pay accident-related expenses, if the party at fault does not have adequate insurance. It protects against both uninsured and under-insured motorists.
All drivers, whether they are on motorcycles or in 18-wheelers, should carry uninsured motorist coverage, but it is especially important for those on motorcycles. The risk of injury, and therefore the likelihood of having significant medical bills, is much higher for those on a motorcycle than those in a car or truck. Furthermore, many health insurance companies do not cover medical expenses that result from a motorcycle accident. Uninsured motorist coverage makes sure that medical expenses will be covered in the event of an accident, no matter what the other person’s coverage is or what your health insurance covers.
For more information on uninsured motorist coverage in California, Nevada or Arizona, contact Lou Aggetta Insurance. The professionals there have years of experience insuring motorcycles and helping riders cope with accidents. They would be happy to help you select appropriate coverage.