Why Motorcycle Accident Injury Cases are Different Than Other Injury Cases

When it comes to insurance coverage for the motorcycle accident, there are different insurance policies entirely when it comes to motorcycles v. automobiles Even the definition of a motorcycle under an insurance policy is not 100% clear in some of the policies out there and you may need to consider the legal definition of the term depending on what type of bike is involved. For example, they might be referred to as choppers, mopeds or even certain other bikes or vehicle types. This is typically pretty different in an automobile insurance policy where it there is less variation on the type of vehicle. On top of that, each state is going to require something different of his motorcycle insurance policy. Typically it’s going to require some coverage for property damage and other minimum types of coverage for other liabilities involved in the accident. Motorcycle insurance policies are also pretty customizable and most of the customization relates specifically to the unqiue characteristics of the motorcycles themselves. In other words, motorcycle insurance policies are very different from automobile insurance policies. Nowhere is this more apparent than the cost of the motorcycle insurance which is typically higher. Things such as the speed of the bike will likely increase the cost and as stated above, the higher risk of serious injuries involved in a motorcycle accident typically carries with it higher premiums.