How to Make Sure You Are Protected

Motorcycle Accidents - How to Make Sure You Are Protected

Most motorcycle accidents are caused by the inattention of other drivers. An accident most often starts when another vehicle moves into the rider's lane.It is often claimed by the driver of a car or truck involved in a motorcycle crash that the motorcycle was in his blind spot, so he could not see it. Of course, this really is no defense because drivers have a duty to be aware of their surroundings at all times. When other drivers are unaware, serious motorcycle wrecks can occur, resulting in serious injury. Because riders are often thrown from their motorcycles, injuries often include broken arms and legs. Accidents involving tractor trailers can be much, much worse. Brain and head injuries often result from these wrecks.

An experienced accident attorney will want to make a serious examination of the rider's helmet. It is very possibly for a rider's helmet to contribute to his injuries. A faulty helmet may result in a products liability claim against its manufacturer. Obviously, the point is moot if the rider of the motorcycle was not wearing a helmet, so motorcycle safety rule number one is: Always wear your helmet.

It takes a lot more than a helmet to give a rider all the protection he needs. From a medical standpoint, typical full coverage insurance is insufficient to make sure you can cover your medical expenses. All full coverage really provides is liability and property damage coverage. The problem arises when the driver of the vehicle that strikes the motorcycle rider does not have sufficient insurance coverage to pay for the rider's hospital bills.

Nobody wants to think about being in a motorcycle accident, but you need to fully protect yourself. This is done by obtaining three kinds of insurance: UM, or uninsured; UIM, or under insured; and medical payments insurance coverage. Having all three of these types of insurance provides you with maximum protection in case you are injured. These types of insurance are often not even mentioned by insurance agents, so you will have to ask. But don't worry about the expense, because this type of insurance tends to be very affordable.