Compensation for Damage to Your Bike
Helping Bikers Navigate the Aftermath of an Accident
Following a motorcycle accident, the first thing you should do is tend to your health and that of anyone else involved. Once you ensure everyone is safe and has sought medical attention, it is time to evaluate the situation and work on building your case.
One of the biggest losses following a crash is generally your bike itself, as well as other property damage. Therefore, it is vital that, in addition to health insurance coverage, you invest in property damage insurance.
As riders ourselves, we possess a deep understanding of motorcycles and the laws and policies that dictate how you ride. Let us help you understand as well. Give us a call at (720) 815-4402 or contact us onlinetoday to schedule your free consultation.
What Is Motorcycle Property Damage Insurance?
A good place to start is by investing in Motorcycle Property Damage Insurance. This type of liability coverage protects you against the cost to repair or replace another person's property that is damaged as a result of your riding.
It is often paired with bodily injury coverage, which covers medical expenses caused to others in an accident. Keep in mind that property liability insurance doesn't pay for damages you cause to your own property in an accident; that's protected by collision insurance.
Types of Expenses Covered Under Motorcycle Property Liability Insurance
When you think of "property" in terms of an accident, your mind may only consider cars and motorcycles.
However, motorcycle property liability insurance covers many kinds of property, including:
- Flag poles
- Utility poles
Liability insurance can also absorb many of your legal costs if you are sued because of an accident.
Why You Should Have Motorcycle Property Damage Coverage
For starters, you probably don't have a choice. Most states require motorcyclists to carry at least the minimal amount of property damage insurance. Some states allow their residents to get around this by posting a bond or cash with a state agency, but the simplest way for most to comply with this financial responsibility law is through an insurance policy with property damage coverage.
Beyond that, property liability insurance can save you from a financial disaster if you cause a serious accident with considerable damage to cars, motorcycles, or other expensive pieces of property.
How Much Property Liability Insurance You Need
Your life would be simpler if there was a single answer to this issue, but the truth is that property liability insurance coverage is an individual matter. That said, most insurance experts recommend carrying much more coverage than may be dictated by your state.
Why? Because most states only require a minor amount of coverage, both for property damage and bodily injury insurance. You could easily exhaust those limits in an accident and have to pay the rest of the costs out of your pocket.
Keep in mind, however, that insurance becomes relatively less expensive with higher amounts of coverage. So, you may be able to reasonably purchase more liability protection than you envision.
Unsure about which motorcycle insurance coverage is right for you, or how your coverage will work following an accident you’ve been involved in? Reach out to our Littleton motorcycle attorneys today at (720) 815-4402 or contact us online.
My current lawyer is Danielle Curtis. She is a wonderful person who cares about you as a person. She has constantly called and checked in and given me updates on my case She cares about you as a person. She is a hard working individual that I highly recomm- Greg H.
Attorney Curtis is very professional and her response time was expeditious.- Art N.
Danielle helped us quickly solve our matter.- Alex
Danielle you rule, you never give up!- Greg H.
I have had a few close calls and its always nice to know I have someone ready to fight for me even if I can't.- Ben U.
I cannot say enough good about my experience with Curtis/Walton Law. No one ever needs a lawyer when things are good, so when we are not at our best, this law firm is. I highly recommend Danielle Curtis.- Sonja N.
Ms. Curtis is willing to fight for whatever her clients deserve and is creative in her approach to cases.- Junior P.
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