Essential Motorcycle Insurance Coverage to Purchase

West Chester, Mason, and Cincinnati Ohio

In the following video, Anthony Castelli discusses some of the essential types of motorcycle insurance coverage to purchase, including uninsured/underinsured motorist coverage.

If you've been injured in a motorcycle accident, you're most likely facing serious financial burdens associated with costly medical bills and lost wages while you recover. If the negligent driver lacks the insurance coverage necessary to compensate you for your damages, you may be stuck paying for most of these costs unless you've purchased an adequate insurance policy of your own. This is an essential precaution necessary to protect you from financial catastrophe in the event that you're injured in a motorcycle accident.

Mr. Castelli has been fighting for the rights of injured motorcycle accident victims in the Cincinnati area for over 30 years. He knows the unique issues associated with these cases, and he has the experience to battle insurance companies that may try to unfairly reduce the value of your compensation.

Please contact The Law Office of Anthony Castelli by calling (513) 621-2345 today to schedule your free motorcycle accident consultation. We serve clients in the Cincinnati, Ohio area.

AUDIO TRANSCRIPTION: Essential Motorcycle Insurance to Purchase

Hi.  I’m Tony Castelli, a Cincinnati motorcycle attorney.

My message today is the best insurance that you can buy to protect yourself if you’re in an accident caused by the fault of another.  Now we all know about liability insurance.  That protects you or pays on your behalf if you injure someone else. 

But what if someone injures you and has very little or no insurance?  Where are you going to turn to get compensated?  That’s where underinsured/uninsured motorist coverage comes in. 

That’s what you purchase from your own insurance company and it pays you in the event that the person who caused your injury had very little insurance.  Let’s say the person that caused your injury had the minimum limits of $12,500.  If they put you in the emergency room and you have some significant follow up, that’s going to eat that up and if you’ve got a real serious injury, you’re going to have much more compensation that you’re entitled to.

That’s where your underinsured motorist coverage comes in.  You want to at least purchase $100,000 of coverage or more.  It’s not that expensive.  How you get paid is the difference between the $12,500 and if you purchased $100,000 you would be entitled to $87,500 if your injury merited it.  So don’t be penny wise and pound foolish as the saying goes.  Buy an adequate amount of underinsured motorist coverage to protect you in case someone causes you an injury who has no insurance or very little insurance. 

Thanks a lot and have a great day.