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Motorcycle Insurance – What’s Covered? What Issues Arise? Why Do I Need It?

Motorcycle Insurance Questions

Indiana law requires an operator and owner of a vehicle, whether that be a regular automobile or a motorcycle, to have insurance to cover that vehicle in the case of an accident. This is important to ensure the safe operation of vehicles on the roads, but insurance is also important to compensate for any injuries or damages to your vehicle or motorcycle. Concerning motorcycles, Indiana law does require proof of insurance before registering your motorcycle.

Motorcycle insurance is also different from auto insurance in general, and a generic auto policy will not cover your motorcycle. This is important to note, because if you are a new motorcycle owner who has car insurance, you must either expand your policy by contacting your insurance company, and adding a motorcycle endorsement to your policy, or you must purchase entirely new insurance for your motorcycle.

What is a Motorcycle Endorsement?

A motorcycle endorsement is something a person can add to their existing insurance policy. Generally, this good for a person who has a motorcycle they ride year-round but is not their primary mode of transportation. An endorsement has advantages and disadvantages. The advantages of having an endorsement added to a policy are that it can be cheaper, it still counts as insurance for the purpose of Indiana law, and it can be easier to obtain if a person is struggling to get a separate policy for their motorcycle.

However, there are disadvantages to having an endorsement as opposed to a full policy. An endorsement does not offer full policy coverage. If a person is in an accident on a motorcycle, an endorsement would not cover their full medical bills or repair costs.

What is Full Motorcycle Coverage?

Full motorcycle coverage involves either bundling auto coverage with motorcycle coverage, or in the alternative, shopping around for a separate motorcycle policy. Getting a separate policy for your motorcycle can be a hassle, but it does provide more coverage than an endorsement does.

The two biggest advantages to buying a separate insurance policy for your motorcycle are the extra coverage compared to an endorsement, and the customizability offered by most insurance carriers. By purchasing a separate insurance policy as opposed to adding an endorsement to your current policy, you are guaranteeing yourself more coverage. This also helps because in any accident you know that you have enough coverage to pay medical bills and pay for repairs for your motorcycle.

Most insurance companies also allow you to customize a motorcycle policy tailored directly to you, your use of the motorcycle, and the type of coverage. This is also beneficial, because it can allow you to insure your motorcycle the way you want, with the amount and type of coverage you want.

So What Is 

While getting a motorcycle endorsement can be less expensive and less of a hassle, the better option available is getting full motorcycle insurance. A full motorcycle insurance policy covers more than just the legal minimum, as an endorsement does, and gives both you and your motorcycle more protection. Protecting both you and your motorcycle is important and allows for you to be reimbursed for your injuries and the value of the repairs to your motorcycle in the event of an accident.

What Should I do If I Have Been Involved in a Motorcycle Accident?

If you have been involved in a motorcycle accident, you need attorney’s who have experience in the field. At Hurst Limontes LLC we have a long track record of dealing with these types of cases and will fight for you to get you the reimbursement you deserve.

Contact Us For a Free Consultation Fill out the form below to receive a free and confidential initial consultation.

    FAQs
    Our Fees

    It cost $0 up front to hire our office. We work on a contingency fee basis, which means you only pay us if we settle your case or obtain a verdict on your behalf.

    If we’re unable to obtain a settlement of verdict for you we eat the costs we’ve advanced to litigate your case, which includes costs for ordering medical records, filing your case, hiring experts, deposing witnesses, and many other things.

    If we do settle your case or obtain a verdict for you our standard rate is 33% of the settlement or verdict, plus reimbursement for the expense we’ve previously advanced. Our fee never increases like some personal injury attorneys, even if we have to take your case to trial.

    Our Fees

    It cost $0 up front to hire our office. We work on a contingency fee basis, which means you only pay us if we settle your case or obtain a verdict on your behalf.

    If we’re unable to obtain a settlement of verdict for you we eat the costs we’ve advanced to litigate your case, which includes costs for ordering medical records, filing your case, hiring experts, deposing witnesses, and many other things.

    If we do settle your case or obtain a verdict for you our standard rate is 33% of the settlement or verdict, plus reimbursement for the expense we’ve previously advanced. Our fee never increases like some personal injury attorneys, even if we have to take your case to trial.

    Case Worth

    As a victim, establishing damages, negotiating with the insurance company, or filing a lawsuit can be daunting and next to impossible without the assistance of an experienced lawyer. As a result, if you have been hurt in an accident, it is important that you contact an attorney as soon as possible to help you recover the compensation to which you are entitled under Indiana law.

    Why Hire?

    Choosing an attorney that has experience dealing with personal injury law is important to protect your legal rights. If you are trying to recover damages from a business or other type of organization, you can bet that they are going to have a legal team on their side.

    Medical Bills

    If you were injured by an accident you may be struggling to determine who is responsible for paying your medical bills and holding them accountable. Speak to an experienced personal injury lawyer at The Law Office of Hurst Limontes LLC and learn if we may be able to help.

    Recovery

    After you have been injured, you are entitled to compensation. The type and amount of compensation depends on the injury, bills, the cause of the injury, negligence/bad faith of the defendant, etc. The attorney you retain can also heavy influence your recovery through knowledge, experience, and dedication. Legal terms and phrases can be confusing even after you retain an attorney. If you have been injured, you may wonder how much your case is worth or what your “damages” are. The worse the injuries, the higher the value of the case and the greater need for an experienced attorney