Should motorcyclists have UM/UIM coverage?

Written by: Jessica L. Phillips

Motorcyclists are no strangers to potential injury. But what if an uninsured or underinsured driver hits them? If they don’t have the proper coverage, they might not get the compensation they need and deserve.

There are more uninsured or underinsured drivers on the road these days, especially in California. According to the Insurance Research Council, California has 4.1 million uninsured drivers. Because of this, motorcyclists in California should take precaution. Most have liability coverage to protect others, but often fail to get coverage that protects them.

Luckily, motorcyclists can prepare for the unexpected by getting uninsured (UM) or underinsured (UIM) motorcycle protections. While California doesn’t require this type of coverage, it can be beneficial for riders in the long run.

Providers like GEICO, Progressive and a few others offer this type of coverage. While many people assume that their current insurance package covers UM and UIM related crashes, that’s not always the case. It may be a few extra dollars a month, but it could provide a substantial safety net if the unfortunate occurs.

What kind of benefits can it provide?

Uninsured coverage becomes relevant when motorcyclists get hit by someone who doesn’t have insurance. It can help cover motorcyclists and their passenger’s injuries if the uninsured, at-fault motorist causes them.

Underinsured motorist injury protection can provide additional coverage if motorcyclists get hurt by a driver who has auto insurance but can’t cover all damages. Those can include current and future medical expenses and lost wages. Ambulance rides and emergency room visits alone can total around $15,000, which is already more than most people can afford.

UM/UIM insurance can reduce emotional and financial damages

No matter who is behind the wheel, even the slightest lapse in judgment can lead to substantial injuries, especially for those riding a motorcycle. Because of this, motorcyclists need to make sure they’re covered, as they run the risk of hitting a driver who doesn’t have the proper coverage. But by having added protections under their insurance plan, motorcyclists can keep their finances and their future intact.