Cruising down the open road on a motorcycle is an exhilarating experience, offering a unique sense of freedom and connection to the world around you. But just like any other form of transportation, motorcycles come with inherent risks. While safety should always be your top priority, having the right motorcycle insurance in Illinois can provide a crucial financial safety net in case of an accident. The motorcycle accident attorneys at Lerner and Rowe give you the info you need to know about motorcycle insurance in Illinois.
Why Motorcyclists Need Extra Protection
Everyone who gets into a vehicle is at risk for a motor vehicle accident. But for those who jump onto a motorcycle, the risk is even higher. According to national stats, only 3% of all vehicles registered in the United States are motorcycles. Yet, 15% of all fatal accidents that happen each year involve motorcycles. For those victims who survive the crash, they often suffer severe injuries that involve a long recovery or even permanent disabilities. The disproportionate risks highlight the importance of having motorcycle insurance in Illinois.
Requirements for Motorcycle Insurance in Illinois
Under Illinois law, it is mandatory for every vehicle owner to have insurance coverage in the event they end up in an accident. The minimum insurance required under the law is:
- Injury or death of one person in an accident: $25,000;
- Injury or death of more than one person in an accident: $50,000; and
- Damage to property of another person: $20,000.
Although $25,000 may seem like a lot of money, it’s important to keep in mind that most injuries sustained in motorcycle accidents are typically serious ones that require expensive and long-term medical treatments. $25,000 quickly maxes out, leaving a seriously injured motorcycle accident victim still facing staggering medical bills.
Unfortunately, not everyone follows the law and far too many vehicles drive on Illinois roads without proper insurance. Although the state may penalize uninsured drivers, that won’t help the injured victim after they’ve been hurt.
Peace of Mind with Additional Coverage
Motorcycle insurance in Illinois goes beyond just protecting others. Many policies offer additional coverage options, like:
- Collision and Comprehensive: This covers damage to your motorcycle in case of an accident (collision) or other unforeseen events like theft or vandalism (comprehensive).
- Uninsured/Underinsured Motorist Coverage: This protects you in situations where the at-fault driver has no insurance or not enough to cover your damages.
By investing in a comprehensive motorcycle insurance policy, you’re giving yourself far greater peace of mind. You can ride with the knowledge that in case of an accident, you’ll have the financial resources to recover and get back on the road.
Get Help from Illinois Motorcycle Accident Attorneys Today
If you’ve been hurt in a motorcycle accident anywhere in Illinois, the motorcycle accident attorneys at Lerner and Rowe can work to build you a strong case and fight for the financial compensation you need.
You can get started today by calling to schedule your free case evaluation and consultation. Give us a call at 844-977-1900 24/7, fill out a free online form, or connect via LiveChat.
The information on this blog is for general information purposes only. Nothing herein should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.