Thursday, December 19, 2013

Emergency Preparedness Kits Make Survivors

By Maryl Joop


Those individuals who ride motorcycles in Torrance understand more than most other motorists the important need of a quality insurance plan. This is because driving a motorcycle is inherently more dangerous than driving in a car and therefore has the potential to file the claims of an insurance policy with more need.

But how? I'd seen the pros do it on TV. I'd also listened to real-life authorities like the Red-Cross. Even as an adult, I sometimes find my mind wandering to those dire imaginations and think about what I need to do to prepare. As a child, those scenarios were fantasy. But as an adult, I know that can be real. What should one do? Here are a few suggestions.

Unlike other car insurance policies in Torrance, a motorcycle insurance policy is designed to cover five basic insurance needs for a biker. All of these forms of coverage are important to those who choose to ride their motorcycles and all aspects of coverage should be considered by those who are looking to insure their bikes in the future.

The first coverage option that will be included in most standalone motorcycle insurance policies is the all-important coverage for medical bills. With this coverage a rider can be insured against any future medical bills that are attached to an injury sustained while riding.

Since liability is more complex of a concept than physical damages, some business owners consider it to be less important. Nothing could be farther from the truth. Many business owners don't realize just how quickly a liability lawsuit can wipe out their business. All it takes is one customer who injures him or herself on your premises, and the following legal action could require you to pay hundreds of thousands, perhaps even millions of dollars in damages. Unless of course, you have purchased commercial liability insurance with a solid umbrella policy. So don't underestimate your need to protect against liability.

A Kit for the House

Motorcycle insurance is one of the most important safety features of a bike rider behind their helmet, brakes, and protective clothing. With that in mind, there is no reason that those individuals how ride their motorcycles regularly should go without proper motorcycle insurance.

You may be asked to leave at a moment's notice and will need all your supplies packed up and ready to go. Check your home emergency kit every so often to make sure food and water stays fresh, batteries are still good, and medicine hasn't expired. If you do, you should be well prepared to leave at a moment's notice, or survive at home on what you have available.

By adding an endorsement to a current policy, a rider will insure their bike under the conditions of their auto insurance policy, which may not be sufficient in all cases. To make the best choice, a rider should consider how much the above coverage options of a standalone motorcycle insurance policy would help them and then make the decision to insure their motorcycle using one of the two options of a standalone policy or an endorsement attached to their current auto insurance.




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