Should I Buy Uninsured/Underinsured Motorcycle Insurance?

Uninsured or underinsured motorcycle insurance is available to drivers in case they’re involved in an accident where the at-fault party is unable to cover the costs of the event. It’s not necessarily required for drivers, but it can be a very nice benefit to have in certain situations. If you live in Commerce, GA, North Georgia Insurance Center wants you to be aware of what it means to have total coverage. 

At-Fault Drivers 

When an accident occurs in Georgia, it’s the at-fault driver who is required to make restitution to the other party. They should be covering not only property damage but also potential bodily injury that may have occurred from the accident. However, not all drivers buy insurance or purchase enough insurance to cover the total expenses of the accident. If you’re hit by someone with a $100,000 policy limit and the bills total $150,000, you may need to cover the additional expenses on your own. 

Do I Need Uninsured Motorcycle Insurance?

As the injured party, you are able to request the additional costs from the at-fault party. However, there is no guarantee you’ll receive these funds. Uninsured/underinsured motorcycle insurance is designed for drivers in this situation, so they don’t have to worry about coming up with the funds. Experts recommend this extra insurance to all drivers, especially if they live in an area with a high population of uninsured or uninsured drivers. 

Motorcycles should be a stress reliever and not a source of anxiety. If you want to find out more about your risks on the road (and what you can do about them), call North Georgia Insurance Center today. We’re here to help the people of Commerce, GA stay safe and protected, no matter what they may face when they’re enjoying the freedom of their bike.