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Should motorcycle riders purchase a special type of insurance?


There is no PIP insurance for motorcycle drivers, which can be very problematic. A motorcycle rider can purchase uninsured motorist coverage, they can purchase property damage liability in case they cause an accident but more importantly another driver may not have insurance. If you look at that scenario there is no PIP to pay your injuries, there is no insurance from the other driver and there is no uninsured motorist to cover you to make up for the other driver’s lack of insurance. So it would be a good idea to have a policy that would allow you to have…

There is no PIP insurance for motorcycle drivers, which can be very problematic. A motorcycle rider can purchase uninsured motorist coverage, they can purchase property damage liability in case they cause an accident but more importantly another driver may not have insurance. If you look at that scenario there is no PIP to pay your injuries, there is no insurance from the other driver and there is no uninsured motorist to cover you to make up for the other driver’s lack of insurance. So it would be a good idea to have a policy that would allow you to have the uninsured motorist coverage. The other problem you run into with motorcycle accidents is often times you have situations where the driver has to lay their bike down and they may be injured and the other driver may just drive away. So another important factor is having major medical insurance, that is advised above all other things considered.