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?"

“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. “
Emily Maracle
Answered on May 10, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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