April 17th, 2009 by The Rider

In today?s economy, people are trying to save money any way that they can. To some, this means cutting back on, or even worse, completely eliminating their auto insurance coverage. What happens if you?re in an accident and the other driver has no insurance? Or what if the driver is underinsured? Will you be covered? You will be if you have uninsured or underinsured (UM/UIM) coverage.

To help get a better understanding of uninsured or underinsured coverage, consider these scenarios:

? If you buy UM/UIM insurance and a driver who has no insurance (or not enough insurance) hurts you, then your insurance company will pay you damages up to the limits of the UM/UIM coverage you bought. Since the other driver is uninsured or under-insured, your company pays you.

? UM/UIM is also very important for another reason. If you are the victim of a hit and run and the other driver is never caught, your UM/UIM coverage will protect you. ? Finally, your under-insured motorist coverage will also protect you if the other party had less insurance than you did. If you get hit by someone who bought a low amount of insurance, then your own policy will provide you protection up to the amount that you bought for yourself.

Washington State laws require all drivers to have a minimum of $25,000 in coverage, yet a stunning amount of Washington drivers don?t have any insurance at all. Statistics show that around 21% of Washington drivers who are involved in some sort of accident do not have insurance. People may have lost their jobs, and decided that they could no longer afford insurance. If that is the case, how are they supposed to pay for damages they cause in an accident, such as your medical bills or lost wages if you are involved in an accident with them that is their fault? They won?t be able to. That is why it is extremely important to have as much UM/UIM coverage as you can afford.

Looking at some statistics, it becomes even more evident that today?s economy is directly affecting the rise in uninsured drivers. The Insurance Research Council (IRC) found the nationwide percentage of uninsured motorists to be 13.8 percent in 2007. They also found that this number could rise to an alarming 16.1 percent by 2010. And if the unemployment rate continues to rise, so will the number of uninsured drivers. The IRC states that an increase in the unemployment rate of 1% results in an increase in the uninsured motorists rate of more than three quarters of a percentage point.

It should be clear that it is not a recommended idea to cut back on your auto insurance, especially during this economic recession. If you want to protect yourself from underinsured and uninsured drivers, you should absolutely make sure that your insurance plan includes UM/UIM coverage. If it doesn?t, I recommend you invest in as much as you can afford as soon as possible.

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Article Source: ArticlesBase.com – Struggling Economy Leads to Increase in Uninsured Drivers; Why you need UM/UIM Coverage

RV Insurance, with Explorer RV Agency

March 21st, 2009 by The Rider

a few questions about florida scooter and motorized bicycle laws.?

1. does a bicycle with an electric motor require a driver or motorcycle license,tags, insurance?

http://www.motorcycle-florida.com/laws.htm

Did You Know? Motorcycle Accidents

January 19th, 2009 by The Rider

Buying, Driving, and Other Tips for Motorcycle Rentals during Travel

If you and your partner are enjoying some much needed quiet time abroad or just out of town, why not add an exciting twist to your vacation by renting a motorcycle instead of the usual car and limousine?

Benefits of Motorcycle Rentals

Efficient Traveling – Riding a motorcycle will get you to where you’re going much quicker than a car would because motorcycles are able to make use of passages and perform nifty moves that bulky vehicles are essentially unable to do.

Affordable Solution – Motorcycle rentals are also cheaper than car rentals. Why spend more when you don’t have to? With motorcycle rentals, you’ll have extra pocket money to spend!

Option for Private Transportation – If you’re heading to Venice, you should know that this lovely Italian city doesn’t allow people to use cars; you can however use motorcycles if you’re not that fond of manual bikes or walking.

Tips on Renting a Motorcycle

Selection – It’s best that you rent from a shop which allows you to choose from a varied selection of motorcycles. In the event that your rented motorcycle will malfunction, the shop will surely be able to send you a replacement unit immediately.

Support and Services – If there are documentation needs for you to take care of before being able to rent a motorcycle, is the shop willing and able to help you take care of these requirements?

Price – Lastly, always compare prices and rates before making the final decision of where you’re going to rent a motorcycle.

Using and Driving a Rented Motorcycle Out of Town or Abroad

Always make sure that you have obtained the necessary license and other documentations before renting out any motorcycle. Laws regarding use and driving motorcycles after all varies from state to state (or country to country for that matter) so you may need to take additional tests even if you’re already a licensed motorcycle driver back at home.

Don’t forget to ask about insurance. Again, insurance requirements depend on where you’ll be using your rented motorcycle so you may also need to obtain additional but temporary insurance to be able to legitimately use a motorcycle on foreign roads.

Familiarize yourself with traffic and driving rules and regulations for motorcycles at your destination.

Clean your rented motorcycle regularly and treat it with care to avoid paying penalties later on. If, however, something still happens with your rented motorcycle, don’t attempt DIY repair unless you’re professionally qualified to do so or it’s an emergency.

About the Author

This article wrote by Max Manroe on http://www.motorcycle-guideline.com please check out another motorcycle guide here, free!

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