If you own a motorcycle and one or two cars in San Antonio, TX, you might wonder why you can’t place them on the same policy. Although these vehicles essentially serve the same purpose, getting you from one place to another, each has a unique dynamic of risk and protection. Ellis Insurance Agency can help you choose an appropriate policy for your bike to keep you fully covered.
Motorcycles are More Vulnerable to Risks
There is a significant difference between motorcycles and autos in terms of weight. Autos weigh considerably more, causing more damage during crashes, while lighter motorcycles are more susceptible to road hazards, conditions, and weather. Motorcycles also require a higher level of skill to operate. This vulnerability, especially in terms of what motorcyclists experience while riding, is central to why you need a separate policy for your bike.
Motorcyclists Experience More Severe Injuries
The larger size and weight of sedans and SUVs, even subcompact models, better protect their occupants. When a motorcycle is involved in a high-speed accident, the rider is more likely to suffer severe or life-threatening injuries, requiring higher medical coverage. Medical payment coverage often addresses this issue and is a key difference between auto and motorcycle policies.
Other Considerations
Several other differences also come into play for motorcycle policies. These include:
- Differences in accident rates
- Repair costs
- Motorcyclist demographics
- Accessory coverage
- Differences in value
In addition, many riders only use their bikes for leisure purposes and frequently store them in garages during cold and inclement weather. Drivers use their autos almost daily for commuting and errands.
If you recently purchased a motorcycle, contact Ellis Insurance Agency to learn about the differences in coverage in San Antonio, TX. Call our agents today to get started on your customized policy.
