Category: Motorcycle Insurance

At The Insurance Team, we want Queen Creek, AZ residents to remain safe and secure while enjoying their motorcycles. Although every motorcycle accident differs, many share some of the same elements. In this blog, we’ll consider the number of accidents that occur each year and the average damage caused by a single motorcycle accident.

Motorcycle Accidents Prove Serious

According to Forbes, motorbike accidents result in fatalities more often than other accident types – 28 times more likely. Individuals on a motorcycle incur injuries four times as often as those involved in other types of accidents.

Wearing a Helmet Helps Save Lives

Helmet use by motorcycle riders has increased by two percent to 67% since 2021, according to the Insurance Information Institute. However, that’s down from 2000, when 71% of motorbike riders wore a helmet. A little more than half, 52%, of motorcycle passengers wear a helmet.

Unlicensed Bikers Cause Accidents

More than one-third of motorcycle accidents involve an unlicensed cyclist. About 36% of motorcycle accidents each year involved a cyclist who had not obtained a license to ride a motorcycle or had lost their valid license. Every state in the U.S. requires a motorcycle endorsement on a standard driver’s license before an individual can ride legally.

How Weather Affects Accidents

Few motorcycle accidents occur during precipitation because rain or snow makes for terrible riding conditions. This is different from automobiles, which frequently wreck during precipitation events. Less than 2 percent of motorbike accidents occur during precipitation events.

Summer Means Bike Wrecks

August and its fabulous weather pose the greatest danger to motorcyclists, with 12% of fatal bike accidents occurring during the month. Conversely, January is the safest month, with only 3% of motorcycle accidents occurring during that month.

Situations to Avoid Related to Motorcycles

You can increase your safety on a motorcycle by following a few common-sense safety tips.

Always Wear a Helmet

Always ride wearing a helmet, whether you’re the rider or the passenger. In 2021, the most recent year with full statistics, 2,251 people died in the U.S. in motorcycle accidents because they did not wear a motorcycle helmet. Helmets protect against head injuries.

Avoid Speeding

Drive the speed limit or less than that, depending on road and weather conditions. More than a third of motorbike accidents involved speeding – 34%. Speeding decreases rider control of the bike and increases stopping distance.

Don’t Drink and Ride

Nearly one-third of accident deaths involved a rider who had recently consumed alcohol. Single-vehicle accidents account for 41% of alcohol-impaired motorbike wrecks. Don’t drink and ride, and don’t accept a ride from someone who has been drinking.

Avoid Night Rides

At night, motorcyclists triple their chances of an accident. Drunk driving more often occurs at night, with 40% of alcohol-impaired accidents happening during the evening. The weekends prove the worst, with 24% of fatal motorcycle accidents occurring from 6 to 9 pm. The weekday commute hours of 3 to 6 pm account for 26% of motorcycle fatalities.

Contact Us Today

Contact The Insurance Team today to review your motorcycle insurance and ensure that you can properly protect your financial security through a policy. Accidents happen everywhere, not just in Queen Creek, AZ. Remain prepared and take precautions to prevent accidents.

Motorcycle insurance in Queen Creek, AZ is already surprisingly reasonable, and you may want to consider adding some extra protections. The Insurance Team has experience in helping our customers find options that fit their lifestyle and needs. Just like with any other kind of insurance, you can personalize your policy so you only pay for the extras you think you need.

There are a lot of extras you can add to your basic policy, such as rental car reimbursement, roadside protection, special protection for the contents you carry on your bike, and total loss coverage. Enhanced injury protection is one of the most important protections you can add.

Enhanced Injury Protection

Getting in a serious accident on your motorcycle can affect you for a long time. If you only have minimum coverage, you might hit your limit on medical bills. Even worse, you may be out of work for an extended period of time. When you are out of work, you may be unable to take care of yourself and your family and pay your bills.

If you have enhanced injury protection, your insurance will pay you $250 every week for up to 2 years if you are injured on your bike. If you are killed in a motorcycle accident, your family will get $25,000. To qualify for this protection, you have to add it to your policy, and the injury must be one that is covered under your policy.

What Are You Missing Out On?

If you only get the legally required amount of insurance in Queen Creek, AZ, you are missing out on a lot of protections. Call The Insurance Team so we can find out how easy it is to add other important protections.

Liability motorcycle insurance is a requirement for Queen Creek, AZ riders, and it’s important to understand that not every circumstance will be a covered peril. The Insurance Team is happy to assist with this vital coverage.

Below are some of the more common scenarios that tend to fall outside most standard policies:

Engaging in risky behavior, such as racing and its resulting injuries, will often result in a rejection of your claims, and the same is true when you are doing stunts or participating in demolition derbies. 

Operating your vehicle under the influence of controlled substances and all narcotics may void your coverage, and alcohol may do so as well, as it is illegal to ride when over a certain limit of intoxication. The Insurance Team would be happy to go over the details of what is and isn’t included in your plan. 

If you are someone who uses your motorcycle to deliver goods for a service charge, this may fall outside the scope of your indemnification. In addition, this can also affect you when involved in an accident while driving passengers for a fee. 

Any wreck, property damage, and medical costs that are incurred while you are involved in illegal activities may be your own financial responsibility, but this usually does not extend to simple violations of traffic laws. 

If you ride your bike in a reckless manner intending to self-harm or wound others, this type of behavior is often in violation of the terms of your insurance contract and will likely not be covered. 

The Insurance Team Works for You

We serve the insurance needs of those living in Queen Creek, AZ, and we can be reached by phone, email, or by stopping at our office. We invite you to make an appointment to speak to us about your specific situation today.