So you think that maybe having a helmet and some condoms might do the trick; think again… Unfortunately, with all of today’s electronic devices, distracted drivers are a real problem and those driving cars often just don’t see us or anything else except their smartphone screen. At some point, if you are an avid biker, chances are that you might be involved in an accident. It is even more likely that you will not be at fault in this accident and that the driver of the other vehicle, usually a car or truck, will not suffer any injuries at all and only minimal damage to his or her car.

Here in Florida, chances are extremely high that the at-fault driver won’t have any insurance to cover your injuries. For that matter, bodily injury coverage that applies to such an event is not even required in this state and therefore you will most likely have to rely upon your own insurance. Additionally, many drivers in this state fail to maintain even the ten thousand dollars in property damage coverage that would cover damages to your bike.

Don’t wait until you are forced to call your own insurance company to find out you have no coverage on your bike or for your own injuries. You need uninsured/underinsured motorist coverage (UM) which will pay for your injuries and property damage in the event you are involved in an accident with an at-fault party that is either underinsured or has no insurance. UM coverage can be purchased in various increments and you should purchase a policy that you can afford and that is high enough to cover your wages, preferably for 6 months to a year should you be out of work and to cover medical bills and expenses during that time. Failing to carry such insurance can create a devastating financial blow to an individual or family.

I often represent a bikers involved in an accident where the at-fault party, as usual, does not have the optional coverage to pay for my client’s medical bills and expenses or lost wages and is not personally collectible even if I went to trial to obtain a judgment for my client. Please don’t go unprotected, even if you can only afford a small policy, shop the different insurance carriers and get some coverage. Don’t wait until you are involved in an accident only to find out that you do not have the proper insurance coverage.

I’m Aldo Bolliger, a Disabled American Veteran, a Small Business Owner and A Regular Guy.   To receive a free review of your insurance policy and advice on what types of coverage to purchase, call me today for free advice.

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