Archive for November, 2009

The “Fatality Rate per 100 Million” (miles traveled) for motorcycle riders has nearly doubled from 22.73 to 39.89 fatalities per 100 million miles traveled this was during the period of 1997 to 2004. The number of miles mentioned above may include many Iowans, because riding motorcycles is a popular hobby for many people in Iowa and the Midwest. There are numerous events during the summer time that involve motorcycle riders.

To put it into numbers, there has been over a 30% increase in motorcycle sales since 2001. All those sales equal more motorcycle related accidents. What are even more alarming are the accidents, with the increase in sales, there are more accidents which have caused motorcycle related deaths to jump up by 50%! That’s huge… that’s over 4,700 deaths in the US by just motorcycle accidents alone.

According to the National Highway Traffic Safety Administration, motorcyclists are roughly 35 times more likely to be killed in accidents than automobile drivers, especially during the first year of owning a bike because of experience.

Statistically, if you ride a motorcycle then you have about a 50% chance of being in a motorcycle accident during your lifetime. Each year almost 100 Iowans are killed and hundreds are seriously injured in motorcycle accidents.

Unfortunately, many of these accidents are caused by drivers with little or no insurance. What many Iowans do not know is that Iowa law only requires a person to have $20,000 in insurance coverage for bodily injuries. Given the rising costs of medical care, that number barely covers a trip to the hospital and follow-up medical care. Statistics tell us that about 12% of Iowans have no car insurance and we estimate that another 60% of Iowans do not have enough. What happens if you are involved in a motorcycle accident caused by one of these drivers, sustains serious injuries, has a pile of medical bills and cannot return to work?

What can be done to protect you and your family from these irresponsible and uninsured drivers? The insurance companies probably have not told you and won’t tell you. Many Iowans don’t know what uninsured and underinsured motorist insurance coverage is. Unisured and underinsured motorist insurance is the only motorcycle insurance that can protect you and your family for injuries caused by a motorcycle accident. Our survey of the leading motorcycle insurance companies shows that for most Iowa drivers the difference between providing $20,000 and $500,000 in coverage is less than a dollar per day. Isn’t it worth protecting your family?

Motorbike insurance is imperative for every rider. This is because you get a number of benefits from these insurance policies. As motorbike is a light vehicle, it is more prone to accidents and theft. Motorbike insurance provides you with finances in case you damage or lose your bike. Also, if you opt for comprehensive insurance policy, you will also get cover for your medical bills.

Some people are reluctant to have motorbike insurance because of the high cost of the policies. Well, such rider should know that if they fall a prey to any mishap in which they damage their bike or hurt themselves, they will have to pay huge amount for repairing their vehicle or for their medical expenses. Hospitalization is certainly an affair which calls for robbing the bank to pay the bills. You may have to lose all your saves in case anything of this sort happens to you. For all these reason, it is much prudent to have a motorbike insurance which will take care of all your concerns in case of any unpleasant incident.

According to studies, it is revealed that in USA thousands of motorbike accidents take place everyday which seriously injure people. Not only this, an increase in the rate of motorbike thefts has also been observed in the recent years. It is horrifying that out of all the stolen bikes, hardly 20-25% of them are recovered. Keeping in view all these facts, it becomes absolutely essential to get a motorbike insurance to safeguard your vehicle and yourself.

Furthermore, motorbikes are also exposed to natural calamites such as fire, floods etc. These incidents can seriously damage your vehicle and in worst cases, they may completely destroy your bike. Even if having motorbike insurance is not compulsory in your part of the world, you should have one for your own good.

Generally, motorbike insurance will cover for your injuries, damage of your bike, damage to other people, damages which takes place from natural calamities such as fire, floods, hurricanes and damage of items such your helmet etc. If you go for comprehensive bike insurance, you will also get cover for your medical expenses as well.

Although bike insurances are costly, but when you get so much cover, it is prudent to make this investment for your own benefit. Other than the expensive options, you can also get some cheap motorbike insurances as well. For this you need to do good research and look for quotations from a number of companies. This way you will certainly come across the bike insurance which will fulfill your needs and also do not exceed your budget.

Motorcycle breakdown is important cover to have if you ride a motorcycle. Whether you ride it on the weekends, or every day to work, it is a great option to have to keep you protected. Bikers know that problems can occur, even to motor cycles. So it is best to make sure you have motorcycle breakdown to offer you the cover you need in case you do have a problem.

Special Cover for Motor Cycles

The great thing is that today there is special cover for motor cycles – motorcycle breakdown. This cover is especially designed to cover motor cycles, since regular car breakdown cover does not cover them. If you have a motor bike, then you need to get this cover because you will NOT be covered with any other type of breakdown cover that you may already have.

Problems that Can Occur

There are any number of problems that can occur when you ride your motor cycle. If you have good motorcycle breakdown, then these problems can quickly be taken care of for you. Without this cover, you may be left stranded and help will end up really costing you. Some of the same problems that happen to cars can occur to motor bikes too. The battery can go flat, you can run out of petrol, or you can even puncture one of the tyres on your motor bike.

Comparing breakdown providers is the best way to get the right cover for your need because not every provider can help you with bike breakdown cover.