As you know, I’m a huge proponent of my clients having as much UM coverage as you can afford. It’s there to protect you and your family if you’re injured.
So, how do you get UM coverage when, as we know, motorcycle coverage can be very expensive? There are two tricks to get it, and it’s based off of the fact that a lot of people don’t understand that UM coverage protects you when you’re in multiple different vehicles, regardless of whether that coverage is attached to just one vehicle.
For instance, if you have an everyday vehicle, truck, or car that you take to and from work, basically, a vehicle that you use other than your motorcycle, that UM coverage on that vehicle will cover you if you’re in a collision on your motorcycle and vice versa.
What Are The Tricks For Getting Inexpensive UM Coverage In Atlanta?
The first trick is to look at your policies on your everyday vehicles and increase the UM coverage through there. It will be cheaper than increasing your UM coverage on your motorcycle.
The second way is if you’ve got an umbrella policy already, which is attached to your homeowner’s coverage, you can add the product umbrella UM. This is very cheap to do, and normally umbrellas are at least $500,000, sometimes a million dollars.
This is a way that you can get a million dollars of UM coverage that will cover you no matter what vehicle you’re in, including your motorcycle.
My advice is that you’ve got to get as much coverage as possible. We’ve already had two accidents here in the past, both where the motorcycle driver was not at fault, both of them life-lighted. They’re doing okay, but they’re in bad shape physically.
Please look at your policies, talk with your insurance agent and get those UM coverages increased as much as you can possibly afford to protect you and your family.
If you have any questions or concerns about this topic or any others, feel free to shoot me an email, I’d be happy to discuss any of your questions or concerns.