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The Risk of Driving a Motorcycle Uninsured

Motorcycle Insurance is Required in Illinois

Aside from the myriad of other reasons to carry motorcycle insurance, the state of Illinois, along with most other states, has a mandatory requirement that all registered motor vehicles, including motorcycles, carry minimum coverage amounts of liability insurance. These coverage minimums are $25,000 for bodily injury per person, $50,000 per accident, and $20,000 coverage for property damage. Additionally, Illinois drivers are required to carry Uninsured Motorist coverage with the same limits. The best advice from our Chicago accident attorney is to be insured.

Failure to carry minimum insurance is punishable by fine only (no jail time). However, the fine cannot be less than $500, and could be as much as $1,000 for the first offense. Furthermore, your motorcycle registration and driver’s license will be suspended for up to three months until you provide proof of insurance and pay the $100 reinstatement fee. Subsequent offenses will result in higher fines and longer mandatory suspensions. 

Protecting Yourself and Your Bike

Driving a motorcycle is inherently more dangerous than driving a car. Statistics show that based on fatality rates, driving a motorcycle is approximately 27 times more dangerous than driving an automobile. This being said, most motorcyclists do not stop riding because of these statistics. If you are an ardent rider, carrying adequate motorcycle insurance can help protect you and your bike.

When it comes to protecting yourself, carrying liability insurance that is in proportion to your net worth (what you have to lose in a lawsuit), is the best way to protect your financial future. If you become involved in an accident, and it is determined to be your fault, you may be liable for damages. Adequate insurance can help protect your money, property, and future earnings.

In addition to liability insurance, your uninsured motorist insurance will provide money to cover medical bills if you are injured and the at-fault party does not have adequate insurance.

Lastly, most insurance companies offer many levels of coverage when it comes to repairing or replacing your motorcycle in the event of an accident. You may want to shop around to see which company offers the best coverage-depending on how costly your bike would be to repair or replace.

Chicago Accident Attorney – Shea Law Group

If you or someone you care about has been involved in a serious motorcycle accident, you may want to speak with a knowledgeable Chicago accident attorney before agreeing to any type of insurance settlement. Our dedicated legal team will be happy to evaluate your case without charge or obligation. Reach out to an experienced Chicago accident attorney at Shea Law Group by calling (877)-365-0040 today.