All too often we
are called and asked for a quote for a motorcycle and the caller
wants the minimum coverage and high deductibles.
Injury Protection coverage (coverage for injuries to the driver &
passenger) offers 'RESTRICTED COVERAGE'. So what is restricted
Coverage - Excludes off the highway accidents and accidents when
no other motor vehicle is involved. Additionally, under
restricted coverage, you can elect to have a deductible as high as
If you had an
accident where you 'laid the bike down' to avoid a collision which
resulted with you having a broken leg or much worse - and you had
elected restricted coverage.....no coverage would be afforded for
your medical costs.
'collision' accident occur with injuries - and you had elected
restricted with a $10,000 deductible....your medical costs would not
be covered until you had paid the deductible of $10,000.
savings from full unrestricted coverage with no deductible to restricted
coverage with a $10,000 deductible, on average, is $150 a year.
In summary - be
sure you know what your coverage is on your motorcycle policy.
If you are unsure, give us a call 302-654-8823.