Motorcycle insurance is more than a policy. It is peace-of-mind financial protection in the event of an accident. Deciding what coverage is best for you is vital for safeguarding your legal and medical needs following a crash.
Liability insurance is the minimum requirement in South Carolina. However, a motorcycle accident can destroy your bike and your life. The minimum can prove inadequate when it comes to your after-crash expenses.
If you experienced a motorcycle accident and your insurance company is not honoring your policy or another driver was at fault, a South Carolina motorcycle accident attorney may be able to help you.
Motorcycle insurance can be confusing, especially when choosing the type that best suits your needs. Understanding your options is critical before signing any policy documents.
South Carolina law requires a minimum of motorcycle insurance coverage. Failure to maintain the following minimum coverage can result in the loss of your motorcycle license:
Uninsured motorist coverage covers motorcyclists involved in an accident with a driver who has no insurance. This type of coverage differs from underinsured insurance, which makes up the difference lacking in the responsible driver’s policy. Uninsured insurance is required, while underinsurance is not.
Motorcyclists have the option to purchase comprehensive and collision insurance. Other coverages may be available:
Motorcyclists should work closely with their insurance company to select the proper coverage. Every policy must meet minimum requirements to allow legal travel along South Carolina highways, city streets, and scenic country roads.
Several factors drive policy premiums, making the cost differ among motorcyclists. A policy may seem similar in coverage if not the same. However, rates may vary due to specific rider information.
Insurers consider the following information when it comes to motorcycle insurance coverage:
One or more of these factors can affect the rate a rider pays. The higher the number of prior issues, the higher the risk of an expensive premium. Obtaining insurance quotes from multiple companies is in a rider’s best interest. Shopping and comparing rates are a wise investment of time that may save you money on your motorcycle insurance.
Be aware, however, that motorcyclists who attempt to withhold information from an insurer may later lose coverage. An upfront, honest approach is best for preventing dropped or lapsed coverage.
It can be costly to avoid a high premium by purchasing the minimum insurance possible. South Carolina motorcyclists must carefully consider the best insurance policy for their protection.
No matter how confident you are with your motorcycle operating skills, there is no predicting the actions of another driver. One reckless action behind the wheel can send you and your motorcycle into another lane, another vehicle, or a ditch. Distracted, aggressive, and impaired drivers surround all road users daily. While a motorcycle accident is not a pleasant thought, it is a possible reality due to national motorcycle statistics.
While total coverage policy rates may seem too expensive now, opting out of additional coverage can cost you later. When choosing the right motorcycle insurance, consider the risk factors of severe injuries and their impact on your life. From time away from work to medical bills that exceed your healthcare plan, a motorcycle accident can cause significant financial stress. Painful injuries are stressful enough without the added pressure of inadequate insurance.
Quality coverage is worth considering to protect possible future needs. When shopping for your policy, ask about discounts for years of riding experience or rider safety classes. Then, weigh your options carefully, choose the best policy, and get on the road!
Motorcycle insurance policies are legally binding documents that offer specific benefits in exchange for paid premiums. The official policy is often full of insurance terms and conditions that many policyholders do not understand.
We do not give insurance a second thought until we need it. Unfortunately, policyholders sometimes experience unreturned calls or confusion about their coverage. For cases involving driver negligence, victims can encounter aggressive insurance adjusters. If an insurance adjuster for the responsible party approaches you, do not speak with them. Instead, contact Whalen Montalvo Attorneys at Law. Never accept an initial settlement offer without having an attorney present.
Insurance companies may sell you a policy; however, they seek to protect their profits by paying policyholders or victims as little as possible—if at all. At Whalen Montalvo Attorneys at Law, we know insurance companies’ tactics to serve themselves rather than those they should.
No insurance company has the right to withhold or deny coverage in a manner that violates your policy. If you suffered severe harm in a motorcycle accident and your insurer fails to honor your policy, or another driver was responsible for the crash, contact us.
Attorneys James Whalen and Eric Montalvo want to help you fight for the coverage you paid for or the compensation you deserve. Despite your best insurance research and defensive driving, one ride can instantly turn tragic. If your insurance company has let you down or a dangerous driver forever changed your life, let us review your case. Call Whalen Montalvo Attorneys at Law today to schedule your free consultation: (864) 770-7710.
I grew up right here in Greenville, South Carolina. Following highschool, I attended Rhodes College in Memphis, Tennessee, where I was an NCAA Scholar-Athlete for the Rhodes Lynx soccer program.
I completed my law degree at University of South Carolina School of Law, where I was on the mock trial team and an editor for the Journal of Law and Education. Following graduation, I served as a judicial law clerk for Senior Judge Robert H. Hodges, Jr. on the Court of Federal Claims in Washington, D.C. My experience in D.C. trial courts solidified my desire to become a trial lawyer.
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Get the best legal representation possible. Give the Greenville, SC attorneys at Whalen Montalvo a call today at (864) 770-7710 or use our online form.