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Why the Need for Motorcycle Insurance?

Aug 17, 2007
After you have purchased a vehicle, one of the first things you have to attend to in terms of paperwork is that vehicle's insurance. This goes for everything - cars, trucks, trikes, and even motorbikes. A vehicle is an investment, and you need insurance in order to protect your investment. Motorcycle insurance, for example, would ensure that regardless of life's many sudden turns and bumps, you will be able to drive around in your trustworthy vehicle for a long time.

The need for motorcycle insurance cannot be stated too much, or too many times. Motorcycles do provide maximum freedom of movement when you're on the road. They are invaluable for people who value speed and flexibility in transit, people who would prefer to be able to control their own travel time. However, motorcycles expose their riders to a great deal of physical injury, if only due to the fact that they have no protective covering that would protect riders from sudden impacts and climate changes.

Motorcycles in fact are extremely high-risk vehicles. As the number of motorcycle owners increase yearly, the number of accidents yearly also increases. Based on the U.S. National Highway Traffic Safety Administration (NHTSA)'s "Hurt Report," the number of motorcycle incidents has not ceased to increase annually since 1997. The latest figure from the NHTSA, shows a total of 4,008 fatalities in 2004 due to motorbike acidents - a huge jump from the 3,714 total in 2003.

The government's crash prevention programs could only do so much. As a responsible driver, you must do your part in ensuring your own safety, the safety of your vehicle, and the safety of whoever else you will allow to ride on your vehicle. Now as a responsible motorcycle owner, you must do whatever you can to make sure that you can handle the damages that may come your way. We can never really foresee every possible disaster, but it's best to be prepared for anything.

The first line of defense is always insurance. Pick out a motorcycle insurance plan that will be easy for you to keep up in terms of premium and payments. You ought to be able to get in touch with cheap insurance outfits over the web, but note that even if you want a completely streamlined plan, made out only for the most basic protection, you may have some needs that are still not considered "basic" by the company. Don't settle for the cheapest right off the bat. Shop around for good deals.
About the Author
Motorcycle-coverage.com provides you with information on motorcycle insurance, quotes, progressive insurance and more to help you make an informed decision about your motorcycle insurance. http://www.motorcycle-coverage.com/
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