Last Updated on November 24, 2020 by Theodore Spaulding
In this video, I want to give you some info on the number one thing that you can do before you get on your bike to protect yourself and your family.
What Can You Do To Protect Yourself On Your Next Ride?
The point 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. That step is to get as much as UM coverage as you possibly can.
Now, there’s a number of ways to do this, but reach out to your insurance agent, start talking about the insurance you already have, and how 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.
How Does UM Insurance Protect Bikers?
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 is only $25,000. If 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 and don’t have to rely on what the other party has or doesn’t have. Again, this is called UM coverage, uninsured or underinsured motorist coverage. Please talk to your agent and get as much as you can afford. It’s a very cheap product, and there’s a number of ways that you can have this. It also doesn’t even have to be on your motorcycle policy.
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, (770) 744-0890 or fill out the contact form on my website.
For close to 15 years, Mr. Spaulding has helped victims of negligence across the state of Georgia resolve personal injury disputes, and he’s received a remarkable number of awards and honors from the legal community recognizing his commitment to clients and to the metro-Atlanta area.
As an undergraduate, Mr. Spaulding belonged to the Phi Beta Kappa honors fraternity at the University of Georgia, and he obtained his legal training at the Georgia State College of Law, where he clerked for the Honorable Judge Rowland Barnes of the Fulton County Superior Court. Mr. Spaulding has also worked for the Securities and Exchange Commission’s Atlanta Enforcement Division. Since 2005, he has dedicated his career to helping the injured victims of negligence and their loved ones win justice in Georgia’s personal injury courts.