When it comes to motorcycle accidents and injuries, there is a lot of misinformation out there. From what you may read online to what you might hear from friends or family, Lloyd Baker Injury Attorneys want to put a stop to the myths you hear and provide you with the best ways to protect yourself when you are out on the open road:
Myth #1: “I only need the minimum insurance coverage required by the state of Arizona.”
Arizona only requires you to carry $15,000 in bodily injury insurance and $10,000 in property damage. Typically, motorcycle accidents result in bad injuries, large medical bills and totaled motorcycles. It is important that you protect yourself and your passenger, and these minimal amounts won’t cover much in medical bills or replace your bike. We strongly recommend that you purchase high underinsured and uninsured limits of at least $250,000. We also recommend that you buy property damage coverage of $50,000 to replace your motorcycle in the event of an accident.
Myth #2: “I drive safe and don’t cause accidents. I will never need to use my insurance.”
Many people believe that since they are a safe and careful driver that they don’t need to carry a lot of insurance because they will never cause an accident. This is a big myth for two reasons: Reason 1: You’ll never know if you will be in an accident. Debris, weather conditions and road conditions can all come into play and affect your driving no matter how great of a rider you are. The second reason, cars and trucks don’t see you or the driver is distracted with their phone. As mentioned above, sometimes you’ll find you need to turn to your own policy to help protect you- even when you are not at fault. This is why you want to make sure you have more than the minimum insurance coverage required. You’ll want to make sure you have underinsured/uninsured coverage on your policy, also known as UIM/UM coverage. Having this coverage on your policy ensures that you’ll be protected when someone else causes the accident.
Myth #3: “Other drivers don’t care about motorcycles.”
You may assume other drivers just don’t care that there is a motorcycle on the road. Oftentimes, that is not the case. The other vehicle’s handicap tag could be blocking their view of you, or you could be riding in their blind spot or hidden by the structure of their vehicle or the sun could be blinding them. Instead of assuming that other drivers ignore you or do not see you, try to make it easier for them to notice you on the road. Wear bright colored and reflective clothing, especially when riding while dark. Always be a defensive driver. Be hyper aware, give yourself an escape route and more time to react by riding as far from other vehicles as possible. When possible, ride in the fast lane or the slow lane so that an evasive move can be made onto the shoulder of the road to avoid a driver swerving into your lane. Give yourself 4 seconds of reaction time from the vehicle in front of you.
By Lloyd Baker Injury Attorneys
602-265-5555 ∙ BakerInjuryAttorneys.com