Why Can't I Get Motorcycle Insurance

With the gas prices currently on the rise and the economy slowing down there are more motorcycles on the road than ever before. Bikers have certainly changed. You might even catch your grandpa riding one.

Finding insurance is the toughest issue for many new motorcycle owners. Trying to find motorcycle insurance is harder than you might think. For someone who has just purchased their first motorcycle they may have been told by their car insurance company that they are unable to provide coverage for the bike. If you are contemplating purchasing a motorcycle you might be shocked to learn that some insurance companies are unwilling to provide motorcycle insurance.

You could be frustrated that your insurance company has denied coverage. You feel jilted by them since you have never had an accident and always paid your premiums on time. You might be thinking it is a great way to save a few bucks by combining your insurance policies. The reality is you may have to use two different insurance companies due to the bike. If you are locked in to your present policy and they will not provide coverage you have no other choice.

Insurance companies are only trying to protect their assets, the reason for not providing you with coverage is not really about you. The largest reason for not providing motorcycle insurance is because of other drivers, not you. Most people tend to ignore bikers creating a risk for more motorcycle accidents that are not the riders fault. Not being noticed on the road by other motorist's puts bikers in a higher risk category for accidents.

Smaller accidents can create more serious injury on a motorcycle than in a car or truck. In a fender bender with a car or truck the insurance company might have to pay for paint and maybe a fender. In a fender bender with a motorcycle even a small mishap could bring a claim for replacement of the bike as well as serious injury to the rider.

If a biker is knocked off their bike and onto the road there is very little protecting them. This makes the claims for serious injury or bike replacement more likely. Insurance companies have to take into consideration that helmet laws vary from state to state. There are certain states that will make newer bikers wear a helmet while other states have no helmet laws at all. The fact that the rider could be on the bike and in an accident while not wearing a helmet can scare off some insurance companies causing them to refuse coverage.

While you are shopping for motorcycle insurance coverage keep all this in mind. You will find companies that provide coverage for bikers at an affordable rate but you may have to call several places first. Insurance companies want to protect us but they have to protect their business as well. Motorcycles just present a bad risk for many companies. With more bikers on the road these days you might find that some will begin to change their minds, but do not expect it.