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Motorcycles and Insurance- Don't Overlook This Key Item

With warmer spring and summer temperatures not too far away, you're undoubtedly excited about he prospect of getting your motorcycle (if you own one!) on the road again. But before you do, please take a few minutes to review your current insurance policy to make sure that you have sufficient amounts of Uninsured Motorist (UIM) coverage.

UIM coverage is insurance that protects you if you suffer injuries cause by a negligent driver who doesn't carry enough insurance to cover your claim.

It goes without saying that riding a motorcycle can be dangerous - even for the most skilled and cautious riders. And, unfortunately, you cant control what other driver on the road are doing (or how much insurance coverage they have). If you happen to be involved in a motorcycle accident, there's a good chance that the other driver may not have sufficient insurance to over claims of people that they injure.

Not only that, injuries form motorcycle accidents tend to be more severe than those that occur in car accidents and can lead to staggering medical bills and costs. Remember, just a single surgery or a night in the hospital can run over $25,000. As a result, you should look into getting way more than minimum UIM coverage on your motorcycles insurance policy. It's an inexpensive peace of mind.

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