Happy New Year

How much motorcycle insurance is adequate?Before getting into this month’s topic, I want to wish everyone a happy and healthy New Year and thank everyone who has allowed me the privilege of representing them in their time of need.

I also want to thank all of the clubs and organizations that have invited me to speak in front of their members and to participate in the many organized events and rides that are held throughout the year.

Everyone is a “Motorcycle Attorney” When It Suits Them

Some of you may have noticed an increase in the number of attorneys soliciting business from the biker community and although some may be competent, many are not. So be sure that any attorney you hire focuses in motorcycle accidents, as my office has for approximately 25 years!

I want to remind everyone that when you are in need of Pennsylvania motorcycle accident lawyer, I am always available 24 hours a day, 7 days a week at 1-888-CYCLE-LAW to provide prompt legal advice.

No Cure Without Prevention

The second item on my list I want to remind you of is although you may be riding during the winter months, given the optimal weather, you want to be sure you are properly insured while riding!

I know I sound like a broken record when it comes to insurance coverage but unfortunately so do my clients after not having taken my advice and gotten into an accident while only having minimal coverage on their bikes.

If you truly understand the impact of buying cheap, bare minimum insurance, as many of my clients have, you would run to your agent, or computer, and check your policy to be sure you have adequate coverage.

What is “adequate” coverage?

Liability limits in the highest amount you can afford! I always recommend $100,000 with uninsured and underinsured coverage in the same amount! If you do not have private medical insurance I urge you to get some! However, if for whatever reason you can not, then buy some medical coverage on your motorcycle policy in the highest amount you can afford.

Lastly, be sure you have enough collision coverage to repair or replace your motorcycle if you end up being held responsible for an accident or the other person has no insurance coverage.

It amazes me the number of people who don’t carry collision coverage on their policy then, when they are involved in an accident and find out the other person has no insurance, they are upset that they are out of a bike or the money to fix it.

If you are wondering why I constantly write about this topic the truth of the matter is, nothing upsets me more in my work than trying to help a client, who is not properly insured, complaining that they are getting “screwed” and taking it out on my office – as if I can magically find insurance coverage to fully compensate them for their injuries and property damage.

If you have any issues you would like me to address this year, I encourage you to reach out to me via the contact form on this site, or call my office at 1-888-292-5352 (1-888-CYCLE-LAW). I am always interested in hearing from my readers and will be happy to address your concerns in my upcoming articles.

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