Types of Motorcycle Accident Insurance in Washington

Consumers have the option of purchasing many different variations of motorcycle insurance. Our Attorneys have compiled a list of the types motorcycle insurance offered and coverage amounts to assit motorcyclists in Washington.

• Liability
• Property Damage
• Uninsured / Underinsured
• Collision
• Comprehensive
• Medical
• Umbrella

Liability

Liability insurance can cover you when you are found, as a motorcyclist, to have caused personal injury damages to an injured party, including their medical expenses, income loss, physical injury, pain, and suffering. While many states require motorcyclists to be in possession of a certain amount of motorcycle insurance, Washington state law does not mandate a certain minimum amount of insurance coverage. However, if you are a resident of Seattle, Tacoma, Bellevue, or another city in Washington, any motorcycle accident lawyer at Phillips Webster would recommend that you do purchase liability insurance. If you are found to be liable for another's personal injuries, the high costs of payments can be offset to an extent by your insurance.

Property Damage

Property damage insurance comes into play when you, as a motorcyclist, are found responsible for the damage of another party's property. While typical minimum coverage amounts hover at around $5,000, the amount is rarely ever enough to cover a substantial portion of the settlement. If you live in the vicinity of Bellevue, Tacoma, or Seattle, Washington and would like to be advised on a safe amount of property damage insurance to purchase, a motorcycle accident lawyer from our firm will be able to assist you.

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Uninsured / Underinsured

Uninsured and underinsured insurance coverage can prove to be an extremely valuable investment. If you are physically injured or your motorcycle is damaged by another person who is found liable, he or she may be mandated to pay you compensation. However, as the state of Washington does not have any property or liability insurance coverage minimums set in place, the person who causes injury or damage may be uninsured or underinsured and unable to fully compensate you for the damages.

If you are injured or your motorcycle damaged by a driver with little or no insurance or without sufficient assets to come up with the money to pay you, but you have uninsured/underinsured coverage, your insurance company will be able to compensate you for the damages the responsible person caused, up to the limits of the policy. Uninsured/underinsured coverage also comes into play when you are injured in an accident by an unidentified driver in a hit-and-run accident.

In Washington, uninsured/underinsured coverage must be offered by the insurance company and can only subsequently be declined in writing. Though obtaining uninsured/underinsured coverage raises your premium, the temporary costs are far outweighed by the benefits should you be injured or your motorcycle damaged by an un- or underinsured person.

If you have been involved in an accident in Bellevue, Seattle, or Tacoma, Washington at the fault of someone who was underinsured or uninsured, a motorcycle accident lawyer from Phillips Webster can help you settle the claim and ensure that you obtain the compensation you are entitled to.

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Collision

When motorcyclists attempt to gather insurance payments to cover repairs for damage done to their bikes, they are often surprised to find that they are allotted an insufficient monetary amount. This happens because insurance companies typically refuse to pay for repairing aftermarket motorcycle parts and custom paint jobs that many motorcyclists enjoy adding to their bikes. Only when specific items are cited in the insurance policy may custom parts and paint jobs be covered. This additional coverage of aftermarket parts and paint can be added to your policy with collision insurance that typically carries a deductible of $250 or more.

Comprehensive

Comprehensive coverage can be an incredibly wise investment. This type of insurance will typically help cover damages to your motorcycle that occur as a result of a reason other than a collision, like fire, wind, flood, vandalism, or theft.

Medical

Medical payments coverage provides financial assistance for necessary and reasonable medical treatments for injuries sustained as a result of an accident. Though this can be an invaluable type of coverage to have for some, people with sufficient health insurance may not find it necessary to take on medical payments coverage.

Umbrella

An umbrella policy can be a good option to purchase if your liability far exceeds the limits of the policies you own. This type of insurance provides anywhere between one and 10 million dollars in additional coverage beyond the limits of your principal policies. Umbrella insurance is a relatively inexpensive investment when weighed against the protection it can potentially provide. As a general qualifying rule, umbrella insurance requires that purchasers must already have relatively high liability insurance limits.

Contact Seattle, Bellevue, and Tacoma Area Motorcycle Accident Lawyer

Motorcyclists who would like to learn more about wise investments in regards to insurance and reside in the Seattle, Tacoma, or Bellevue, Washington areas can contact a motorcycle accident lawyer from the Phillips Webster law firm. We are happy to help inform you about ways to be a safe and fiscally responsible motorcyclist.

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