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Don’t Become a Statistic: The Importance of Motorcycle Safety and Insurance

The Los Angeles Fire Department recently responded to a call about a motorcycle rider who was injured when struck by a car in front of Peet’s Coffee Shop on Ventura Boulevard. The biker was transported to the hospital in yet another case that highlights the need for extreme caution when riding a motorcycle in the Los Angeles area. The biker in front of Peet’s was lucky; he had non-life-threatening injuries. Last month, another biker was not as fortunate and was killed when a man accused of drunk driving crashed into him near the corner of 7th and Olive Streets in downtown Los Angeles.

If you ride a motorcycle in Los Angeles, you must be especially vigilant with regard to your own safety. Statistics show that you are almost twice as likely to be in an accident while riding a motorcycle as opposed to driving a car. In addition, fatalities from motorcycle accidents outnumber automobile fatalities by a 4:1 ratio. These are alarming and frightening statistics for anyone who chooses to ride a motorcycle. The statistics do not mean that you will be in an accident or suffer any sort of injury, but they do point to the need for always remaining alert and safety-conscious while on a motorcycle.

The statistics also illustrate why all bikers who ride in Los Angeles or anywhere else in the state of California are required to have motorcycle insurance. Motorcycle insurance protects the biker from liability in the event of an accident. This means that in the rare cases when it is the biker who is the cause of an accident, damages to another driver’s vehicle or injuries to the driver or passengers will be covered by insurance.

Motorcycle insurance will also pay for repairs to the motorcycle and for any medical bills that the biker incurs as a result of the accident. For a biker, this is especially important. Most bikers have worked long and hard to purchase and maintain their bikes, and it would be devastating to lose it because of an accident. In addition, injuries to bikers involved in accidents can often be severe and medical bills extensive. Motorcycle insurance ensures that the biker will be able to get the medical attention and treatment needed to recover from injuries.

There is a thrill to riding a motorcycle through the streets of Los Angeles that you just can’t get from a car ride. But that thrill comes with certain dangers. Protect yourself to the fullest extent possible if you are a motorcycle rider by always staying alert to dangers when on your motorcycle and by carrying motorcycle insurance to protect yourself financially in the event of an accident.


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Disclosure: I have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours.