Alright, in today’s video I’m going to give you two tricks to add UM coverage, or more UM coverage to protect you in case you’re in a motorcycle collision.
As you know, if you’ve watched any of my other videos, if you’ve looked at my articles online, 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 it when we all know, motorcycle coverage is very, very expensive. There’s 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.
So, for instance if you have an everyday vehicle, truck, car that you take to and from work, you use personally 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.
So, the first trick is just that, look to 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, very, very cheap to do and normally umbrellas are at least 500,000, sometimes a million dollars.
So, you can get a million dollars of UM coverage that will cover you no matter what vehicle you’re in including your motorcycle.
Now, that’s the other cheap way to get it. Guys, 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.
So, please, 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. Thanks so much for watching this video.