How Much Motorcycle Insurance Do You Need

Posted by George Tait | Apr 01, 2022 | 2 Comments

When you are considering how much motorcycle insurance you need to purchase you have to think about it.  

First you need to know how much you own--your total assets.  You need to know your total assets because that is how much insurance you need.  This is known in insurance parlance as "Cover Your Ass..ets" or "Cover Your Ass."  Let's say you own a home, a car, a motorcycle and a boat--total value $1 million. That is how much liability coverage you need.  You need that much coverage to protect those assets.  

We represented a motorcycle rider in a horrific crash about three years ago.  He was stopped at a light - the light turned green and he entered the intersection.  A car coming the other way blew through the red light and broadsided the motorcycle rider.  The motorcycle rider, our client, had horrific injuries.  His abdomen was ripped open, lost parts of his intestine, broken leg, broken arm, broken shoulder - all on the left side of his body from the car.  Ambulances arrived and took him to the hospital where he had multiple surgeries and a very long stay in the hospital.  He also spent about a year in a nursing home recovering from his injuries.  The total of the medical bills alone was over $1 million.  

Unfortunately for the driver of the car that blew through the red light, he only had $50,000 insurance coverage.  This insurance coverage was obviously not enough to cover the injuries of our client.  In every case like this we have our private investigators find out what the driver owns.  In this case it turned out that the car driver owned property in Utah - Salt Lake City, Midvale, Lehi and St. George.  We filed a case and had to force the car driver ti liquidate or sell a lot of his property to cover the damages visited upon our client.

Bottom Line: If you own assets you need to have enough motorcycle insurance coverage to protect those assets.  

Utah Bike Law is a motorcycle injury law firm and its lawyers who ride are dedicated to representing injured motorcycle riders and their families.  If you or a loved one were involved in a motorcycle crash anywhere in the United States we invite you to call for a free confidential consultation. There is no obligation and you are not charged any fees whatsoever unless we recover money for you.

About the Author

George Tait

Since 2004 George Tait has dedicated his practice to helping injured people and their families get fair and full compensation from the insurance companies. Before becoming an attorney George Tait was a Registered Nurse for over 15 years. The last years of his nursing career were in the Universit...


Shammy Peterson Reply

Posted Jun 16, 2022 at 21:54:14

I never knew that it is essential to determine the amount of your total assets in order to find out how much liability coverage you will need. This is a good tip for my father who is planning to purchase motorcycle insurance coverage within the week. He surely wants to ensure that he can choose the right policy, so your tips are helpful.

George Tait Reply

Posted Jun 17, 2022 at 07:02:43

Thanks Shammy – you have to have enough insurance coverage to protect your assets. Also, do not forget to purchase underinsured and uninsured coverage—it is essential because people, in tough times, will not carry enough coverage to pay if they crash into you—or have no coverage at all—sad but true.
Hope your dad has a great time riding the byways and highways of this great nation!

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