Insurance companies spend a lot of money advertising in our magazines and hosting elaborate displays at our rallies.  If bikes are so dangerous why are they tripping over themselves trying to sell us insurance.

The truth is -- they know that we do not cause the wrecks.  In fact bikers are responsible for less than 1 in 3 wrecks involving a motorcycle and another vehicle.  Then there are those single-rider single-bike wrecks that involve no liability payments by the insurance company.  Those are pretty good odds for the insurance company.

The other truth is -- if we are involved in a wreck our passenger or we stand a good chance of being seriously hurt.  North Carolina’s Minimum required policy limits at the beginning of 2009 were $30,000 per person with a $60,000 maximum for all persons injured in the wreck.  That does not go very far in a serious wreck.  But, the odds are that a North Carolina car that hits you only has this much insurance to pay for the damage they have done. 

You can overcome these odds by making sure you have enough insurance to cover this shortfall by carrying enough uninsured/underinsured (UM/UIM) coverage. (Click for details)