For my last column of the year I am simply going to wish everyone a very merry holiday season, and a happy and healthy new year!
Ride safe and remember Murphy’s Law; if it can go wrong, it usually will.
So keep your head on a swivel, use caution at intersections, watch out for vehicles turning left in front of you, and don’t pass other vehicles on the right.
Free Advice for Pennsylvania Motorcycle Riders
For those of you looking for a better insurance rate… if you have State Farm for your automobiles, use them to insure your bike. It may cost a little more but they are the only major insurance company that allows you to stack your bike coverage on to your automobile coverage. If you do use State Farm, always choose the stacking option and purchase the same coverage on all vehicles and motorcycles.
Purchase as Much Motorcycle Accident Insurance as Can Afford
No matter what carrier you use ALWAYS purchase as much coverage as you can afford, I personally recommend $100,000 in liability and un/underinsured motorist coverage, and never, ever purchase more liability coverage than you purchase in uninsured and underinsured coverage.
Also, keep in mind that in both PA and NJ, your motorcycle coverage DOES NOT cover any of your medical expenses so if you do not have health insurance, I urge you to purchase some medical coverage on your bike policy as well.
If you live in PA, pull out your auto policy and make sure you have chosen the Full Tort option; if your policy says “Limited Tort” call your agent and find out how much more it would be to upgrade your policy so you have the right to make a claim if you are ever involved in an automobile accident.
This option does not apply to your motorcycle policy – all PA motorcyclist can present a claim if they are involved in an accident.
Finally, if you have a customized/specialty motorcycle make sure your insure it as such to protect your investment!
If you don’t understand or are confused about your coverages, call my office and I will tell you exactly what coverages you need.
Insurance costs differential from minimal to maximal coverage is usually not much, but the consequences of not following suggestions from your motorcycle accident lawyer could last a lifetime.
Again, Happy Holidays to you and yours, and remember, if you have any questions please feel free to pick up the phone and call me at 1-888-292-5352 (888-CYCLE-LAW) – its always a free call!