Services
Insurance
Loans
Repairs
Advice
About

Should I pay an extra $35 a month for uninsured motorist coverage on a motorcycle?

"I'm currently with MetLife and have a great rate. It will cost about $35 more a month to add uninsured motorist coverage. I can afford it, but I also have full coverage with a $750 deductible.

Is it really necessary that I also get uninsured motorist coverage? Why do I need to pay for people who don't follow the law?"

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Having both
comprehensive coverage
and
collision coverage
is important, but they won’t protect you in every situation.
If you are hit on your motorcycle by an uninsured motorist and they are at fault,
uninsured motorist coverage
would pay for your injuries and property damage. Without this coverage, you would need to pay out of pocket and then go after the other driver to recover these costs.
While most states require drivers to carry car insurance, people break the law all the time. If you can afford uninsured motorist coverage, you should get it.
You can also shop around to see if you can find a better rate with another company. If you want to save money on car insurance, the
Jerry
app is a good place to start. “
View full answer 
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

Join 4M+ members in lowering their car insurance

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings