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Bikers: You have an Accident and It's NOT Your Fault. What Insurance Coverage Do You Need?

Published: July 2014

If you own a motorcycle, you might consider riding your bike more than a fun pastime; it's a part of your identity. It's a definite choice to enjoy the wide-open road with wind in your face. That's why you're a responsible driver who always keeps traffic safety in mind. But unfortunately, you can't control the actions of other road users. Sure, you can try to react appropriately...but this may not always be enough to prevent an accident.

A man riding on his new motorcycle.

While many riders might assume that all drivers have adequate insurance, according to the National Association of Insurance Commissioners, one in seven drivers has no coverage whatsoever. Add to that the number of motorists who don't have enough insurance coverage, and there may be significant risk of being stuck with all of your medical and repair expenses, as well as the possible costs of lost wages.

Fortunately, some insurance companies offer coverage options that may help protect you in these types of situations. It's important to understand that uninsured and underinsured coverage motorist requirements vary from state to state, so if you're in the market for this type of coverage, speak to an insurance agent to find out what options you may have.

Types of Insurance Coverage To Consider

There are two types of uninsured and underinsured motorist coverage you may be able to add to your existing insurance policy.

Bodily injury coverage. If another driver is at fault but doesn't have any or enough insurance to cover your costs, this type of coverage can help pay for damages resulting from your or your passengers' injuries.

Property damage coverage. If your bike and/or property is damaged in an accident and an uninsured or underinsured driver is at fault, this type of coverage may help pay for material damages. This coverage may not be available in every state, so check with your local agent to find out if property damage coverage is available in your area.

There are also other options generally available. Comprehensive coverage typically pays for damage or loss caused by something other than a collision, such as fire, theft, vandalism, windstorm or hitting an animal. Collision coverage typically pays for damage to your bike if you collide with another vehicle or something else, such as a parked vehicle, construction debris, guardrails or fences. If someone hits your parked motorcycle, this is considered a collision as well. But understand that some states don't allow both ecause they are considered duplicative.

Motorcyclists are considered vulnerable drivers, according to organizations like The Royal Society for the Prevention of Accidents. Plus, uninsured and underinsured motorists add financial vulnerability to the list of concerns for bikers. For better peace of mind, be prepared and make sure you have adequate insurance to protect yourself and your motorcycle against these risks when you're out on the road.

Coverage subject to terms, conditions and availability. Policy issuance is subject to qualifications. Allstate Property and Casualty Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Indemnity Company, Allstate New Jersey Property and Casualty Insurance Company. © 2016 Allstate Insurance Company, Northbrook, IL.

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