Simply stated uninsured and under insured motorist insurance coverage are the parts of your policy that take care of your injuries when you arenotat fault in a crash. In my opinion uninsured and under insured motorist coverages are the most important coverages a motorcyclist can buy. Why would you not want to protect your greatest asset - you?
Under insured/uninsured motorist insurance coverage for automobiles and trucks is usually not that expensive. Not so when dealing with motorcycles. As we are all aware the odds are not with the motorcycle rider or passenger. Rest assured insurance underwriters are aware of this. Thus, uninsured/under insured motorist coverage for motorcycles is the one of the highest costs coverage within the policy. Uninsured/under insured motorist laws vary from state to state. Thus, you will need to consult with a local attorney to get the full details of the law applicable to the state in which you live in.
Generally speaking I recommend the highest coverage possible with regard to uninsured/under insured motorist coverage. Uninsured motorist coverage provides payment for loss wages, medical bills and pain and suffering. Dont leave home without!
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