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Motorcycle Diaries Part 2

One the vagaries of motorcycle insurance which often comes back to haunt bikers   regards uninsured/underinsured coverage. As I indicated in my last Motorcycle Diary blog, motorcycle insurance is in many ways different then your auto insurance. I know getting injured is the last thing you want to think about, but lets face it the statistics are against us, and usually it's not our fault. So when you get hurt you need to know that you are protected.     Uninsured/underinsured coverage is coverage that you buy to protect yourself  if the other guy doesn't have insurance or not enough insurance. This coverage also protects you if the other guy doesn't stop and flees the accident. This happens a lot, in fact it happened the other day with one of my clients. He was sideswiped as the car pulled out from the stop sign and made , yes a left turn, in front of him (see my previous blog on these stats). The car never stopped. Fortunately there was a video camera at the convenience store on the corner that captured the contact , but did not video enough of the car to get a plate number. My client, lets call him Joe, was seriously injured. His serious injury required surgery and he lost a lot of work. Good new, bad news for Joe. He had uninsured coverage but not enough to adequately compensate him for all his losses. Now here's the other important part. You can get additional coverage through your auto policy coverage if it has UM/UIM coverage too. But, to use this coverage (called stacking) you must be very careful. Most of the time your auto policy coverage will exclude stacking if the car and bike are not insured with the same company. In Joe's case they were not. Advice: Always select uninsured and underinsured coverage;  Always select the stacking option on your car policy, and even though you may save a few $$ by going with different companies -  don't. Finally, always ask the agent whether you have these stacking options available or call me for advice. Be safe, have fun and watch out for that left turn. Dennis F Feeley

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