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You are riding your motorcycle. You are in a crash. It is not your fault. You think you have good insurance coverage and you will be treated fairly if you have to go to trial—think again! Motorcycle Insurance in Utah Does Not Have Personal Injury Protection Motorcycle coverage in Utah does not have personal injury protection (PIP) like car insurance in Utah. You can purchase “Med Pay” that works like PIP but you have to request it because most insurance brokers do not know about it. Med Pay is ideal for people who ride motorcycles but do not have medical insurance. This is how it works. If you are injured in a motorcycle crash (the crash must involve you while riding your motorcycle) you send your treatment bills to your insurance company and they will pay up to the amount of coverage you purchased. Usually the purchased amounts available are in $5,000 increments and there is no limit you can purchase. This coverage kicks in regardless of the mechanism of injury, meaning whether you are hit negligently by another driver, or you cause the crash and injure yourself. Basically, medical insurance pays in the event that you are injured while

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Spring is right around the corner, which means the official start to motorcycle season is almost here. Fortunately, it’s not too late for motorcyclists to start thoroughly preparing for the riding season. Here’s how: Examine the Tires Before taking your motorcycle out for a ride, check the tires to ensure they are in good shape. This should still be done even if the weight was off of your motorcycle’s tires while the bike was not being used. Start by visually inspecting them to look for flat spots, punctures, bulges, or cracks. Even if everything looks normal, check the air pressure to determine if the tires need to be inflated. Test the Brakes The brakes will also need to be inspected and tested before motorcycle season. If yourbrake pads were beginning to wear down towards the end of the last motorcycle season, now is the time to replace them. If you don’t know how to tell if the brake pads are in good condition just by looking at them, hop on the bike instead. Test the front and back brakes separately. If you hear a high-pitched squeal or scraping noise, this indicates the brakes need to be checked by a professional.

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