As a rider myself, I have a key word to keep in mind: HAPPY!
It means, “Have A Plan, Protect Yourself.”
I want my fellow riders to be informed and avoid potential headaches ahead of time. Usually, in life when you learn something, it’s the hard way and hindsight is 20/20…
Riding and owning a motorcycle is a great experience, but when unexpected events occur, such as theft or damage to you or your motorcycle, then it’s important to have the right insurance to protect yourself.
After you purchase, have a sit down with your insurance agent and discuss Gap Coverage on your loan, because theft or total loss of your motorcycle will not result in an insurance payout to cover the loan interest and any extras that you may have financed.
Additionally, if you’re injured in an accident, you may have outstanding medical expenses that will damage your credit. Medpay is a smart purchase to prevent this problem.
Finally, many accidents result in medical expenses that exceed the Georgia mandated minimum liability limits of $25,000. To ensure that you are not exposed to this possibility, please purchase Add-On Uninsured Motorist Coverage. It allows you to make a recovery when the opposing party is uninsured, under-insured, was not a covered driver, or you were involved in a hit and run.
As an attorney for over 30 years, 80% of the riders that I have helped with legal advice have fallen into one of these same pitfalls, because they did not purchase the proper insurance to protect themselves… so, PLEASE make time to have a sit down with your agent and update your policy!