Back-to-School Season: Why Canton Motorcyclists Need Extra Insurance Protection

As the school year begins, Canton, GA sees a notable increase in traffic. For motorcycle riders, this shift brings unique risks such as busy school zones, distracted drivers, and seasonal weather. This season is a great time to review your motorcycle insurance to make sure you have the coverage you need in case the unexpected happens.

Why Increased Risk Matters

Motorcyclists are harder to see than larger vehicles, and more vulnerable in the stop-and-go traffic frequent around bus stops and school zones. These road conditions can mean a higher chance of collisions and more inexperienced drivers on the road as teens begin driving to school.

What Motorcycle Insurance Covers

Motorcycle insurance is similar to a personal auto insurance policy. In exchange for paying premiums throughout your policy’s term, you have the right to file a claim following accidents and other incidents involving your motorcycle. You can often customize your coverage according to your needs, but many policies may include the following:

• Bodily injury liability coverage may help pay for medical expenses and legal defense costs if injuries are caused to a third party in an incident you’re responsible for.
• Property damage liability coverage may help with the costs to repair or replace another person’s property or vehicle if you’re at fault for an accident.
• Collision coverage may help with the costs of repairing your motorcycle if it’s damaged in a crash involving another vehicle or stationary objects.
• Comprehensive coverage may help with damage to your motorcycle caused by an incident other than a collision, such as vandalism, natural disasters, or fires, as outlined in your policy.
• Uninsured/underinsured motorist coverage may assist with losses after an incident where the other party is at fault and has insufficient or no coverage.

Contact Us

Motorcyclists face different risks on the road than cars and trucks, so it’s important to remain vigilant as the school season brings more drivers and new traffic patterns. The team at David's Insurance Services Canton in Canton, GA can help you review your coverage to make sure it fits your needs and budget. Contact us today for a personalized quote or more information.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.