If you read my cheat sheet, I gave you some very simple, quite frankly more on the mechanical side, steps that you can take to have a safer ride before you get back on your motorcycle.
In this video, I want to give you a more detailed step that I quite frankly believe is the number one thing that you can do before you get on the bike this weekend to protect yourself and your family.
Now, the point of this step is to provide you and your family with as much coverage as possible for losses such as medical bills, lost wages and pain and suffering if the unfortunate happens and you’re injured by somebody while out riding. And that step is to get as much as UM coverage as you possibly can.
Now, there’s a number of steps and ways to do it, but reach out to your insurance agent, start talking about the best way, given what you have, insurance already that you can increase your UM coverage. I recommend, everyone at least gets a $100,000 of what’s called add-on UM coverage before you get back out on that bike this weekend.
It’s the best way to protect yourself in case you get hit by someone that either doesn’t have insurance or doesn’t have enough. The state minimum in Georgia’s only $25,000, you get hit by someone who only has $25,000 in coverage, you’re barely covering an ER visit, much less if you’re out of work for several weeks or you’re treating for months or years with a severe injury.
You then can control what’s potentially available to you not having to rely on what the other party has or doesn’t have, UM coverage, uninsured or underinsured motorist coverage. Please talk to your agent, get as much as you can afford, it’s a very cheap product, there’s a number of ways that you can have that at it, doesn’t have to be on your motorcycle policy, by the way.
And I’m going to talk about that in another video down the road here, but please get out there, get as much UM coverage as you possibly can before you get back on your bike. If you have any questions or concerns about anything, motorcycle safety or Georgia law related I’d be more than happy to speak with you.
Feel free to call me, 7707440890 or an easy way is to go on my website, I’ve got a contact form there, it will shoot me an email, give me your information, I’ll give you a call. The website is spauldinginjurylaw.com. Thanks for watching this video.