Motorcyclists know that driving without insurance is dangerous, but what many do not know is that there are a variety of add-ons to an insurance policy that can provide more assurance of security. For instance, you may wonder if uninsured motorist coverage is a good addition to your current motorcycle insurance policy.
W.B. Adams Company, which serves Beaverton, OR, can help you determine if you should consider uninsured motorist coverage. In the meantime, here’s what you need to know about it.
Oregon Insurance Requirements
Before you consider uninsured motorist coverage, you need to know the requirements in your state. Oregon does not require uninsured motorist coverage, but motorcyclists are required to have insurance to cover liability. Liability coverage comes into play if you are determined to be the responsible party in an accident. Your liability coverage may provide for property damage and medical bills for others involved.
Uninsured Motorist Coverage Is a Smart Investment
So, what happens if the other driver does not have insurance and they are responsible for the accident? That’s when uninsured motorist coverage kicks in. This coverage helps cover your insurance costs when you are left with nobody to hold responsible.
If you do not have coverage for uninsured motorists, you could be left to cover the expenses on your own. This can become expensive, and it’s a risk many drivers do not want to take. Motorcyclists are at higher risk for injuries than other drivers, which gives you all the more reason to consider adding this coverage to your policy.
Find the Right Motorcycle Coverage for You
W.B. Adams Company can help you find the right coverage for your motorcycle. If you live in Beaverton, OR, check out our website to learn more about your policy options.