An experienced motorcycle accident lawyer Glendale CA bikers trust knows that not having the right insurance, or enough of it, can be financially devastating if you have been involved in an accident.
Though an accident may not be your fault, a motorcycle accident lawyer Glendale CA residents turn to knows from experience that not all insurance companies pay claims as promptly as they should. Some refuse to pay at all. Contact an attorney if you’re injured in an accident through no fault of your own, and need a motorcycle accident lawyer in Glendale CA.
What does motorcycle insurance cover?
There are several types of motorcycle insurance, and your insurance company may offer additional options. Ultimately, your choice of insurance coverage may depend on a number of factors including:
- Your age
- How often you ride
- Your riding level ability, or the likelihood you’ll be involved in a crash
- How many miles you ride annually
- The book value of your motorcycle
- The kind of conditions under which you ride
- only in good weather or sometimes in bad weather
- off road, highway, in the city, rural, on residential roads, or a combination
- If you ride with a passenger
This type of insurance is almost always required by law and includes property damage and bodily injury. If you’re ever involved in an accident that you caused, it protects you from having to pay the medical and repair bills of the other driver out of your own pocket.
As far as how much liability insurance you should buy, a Glendale CA motorcycle accident lawyer will likely tell you to buy as much as you can afford. If you’re a new rider and often drive in challenging conditions, you might want more coverage than somebody who keeps their bike parked in the garage most of the time.
Comprehensive and Collision Coverage
Collision coverage is intended to pay for repairs to your motorcycle if it gets damaged. If you lay your bike down, collision coverage can also reimburse you for damage to your leathers and gear, including your helmet.
Comprehensive coverage covers replacement or repair costs for your motorcycle if it’s damaged in a non-collision, or stolen. For comprehension and collision coverage, the cost of your policy is dependent on the amount of coverage you opt for, and the amount of the deductible.
Total Loss Coverage
If you total your bike, this coverage will reimburse you the manufacturer’s suggested retail price for the same make and model of bike for the current year.
Medical Payments Coverage
This coverage covers your medical costs in the event that you’re in an accident, and isn’t dependent on who caused the accident. Any experienced motorcycle accident lawyer Glendale CA riders consult may caution that some medical payment coverage plans require you to first cap out your health insurance.
Uninsured/Underinsured Motorist Coverage
If the at-fault driver doesn’t have enough insurance, or any insurance at all, this coverage is intended to cover many of your costs including:
- Property damage
- Medical bills
- Lost wages
A Motorcycle Accident Lawyer Glendale CA Needs
Following an accident, you may be dealing with a painful injury. You may have questions about your legal rights and need representation. Call an attorney today if you’ve been injured and need an experienced and capable motorcycle accident lawyer Glendale CA bike riders turn to for legal help.