Understanding Full Coverage Motorcycle Insurance

posted on
Understanding Full Coverage Motorcycle Insurance

The term “full coverage” is a misleading term used by insurance agents giving bikers a false sense of protection. Unfortunately, many bikers find this out after they’ve been involved in a motorcycle accident. They are often left with massive medical bills and their motorcycle destroyed, which their “full insurance coverage” may not cover. However, you can purchase insurance that protects you in the event of a motorcycle accident. Because motorcycle accident victims generally have severe injuries and significant property damage, you must insist on more coverage and higher limits. Here are 3 important coverages all motorcyclists should have…


Combined Uninsured/Underinsured Motorists Coverage (UM/UIM)

  • Covers the costs if you're in an accident caused by a driver with little or no car insurance
  • $100,000/$300,000 minimum


Medical Payments Coverage (MP) or Personal Injury Protection (PIP) in South Carolina

  • Covers medical expenses for you or your passengers after an accident
  • $5,000 minimum


Collision Coverage

  • Covers damage to your vehicle after an accident, no matter who was at fault
  • Choose your coverage amount based on the value of your motorcycle


This additional coverage generally only adds a few dollars to your monthly premium, but the amount of coverage it gives you can be essential in the event of a motorcycle accident. We deal with insurance companies daily and with over 40 years of experience, we know the devastating toll inadequate insurance coverage can leave on accident victims. Choosing the right motorcycle insurance company can make a big difference as well. Don’t trust an insurance agent. It's up to you to choose motorcycle insurance that protects you.


Free Motorcycle Insurance Policy Review

Still confused? Let us help you. Simply email your declarations page or call our office to discuss. We can review your current coverage and advise you on the proper coverage for your bike. If you would like to schedule Bob Karney, a motorcycle accident lawyer, to speak with your local group, club or organization about how to proactively protect yourself, give us a call 877-376-7982.

View Count: (559) | Return

Disclaimer: All data and information provided on this blog is for general informational and entertainment purposes only and should not be considered legal advice. The Karney Law Firm will not be liable for any errors or omissions, or any losses, injuries, or damages arising from its display or use. The Karney Law Firm is not responsible for any third-party contents which are accessible through this blog.

Set up a Free Consultation
  • *
  • *
  • *
  • Captcha:


Join Our Mailing List

Join the Bulldog Community and receive your Karney Biker Calendar and monthly Bulldog Bulletin eblast. Include your full name and mailing address. For NC & SC residents only.

Join Today