Does your insurance cover your backride as well?
Motorcycles offer a convenient way to travel on the roads of the Philippines. It allows you to easily weave through heavy traffic. But as convenient as it is, motorcycle accidents go down as one of the most fatal that drivers can be involved in. The Metropolitan Manila Development Authority reported 178 cases per day in 2020. In that same year, the agency recorded 337 fatal and 14,465 non-fatal injuries due to motorcycle accidents.
Because motorcycles are prone to accidents, you need to protect yourself and your passengers. You can always claim that you have a “safety first ‘ approach but there are a lot of irresponsible drivers out there and you don’t know when you will get involved in a collision with them. This is where motorcycle insurance comes in. It gives you a layer of protection that will cover accident-related expenses that may prove too costly for out of pocket payments.
Why Does Motorcycle Insurance Make Sense?
You may think of motorcycle insurance as just another financial obligation. Well, it is a necessary expense. What if your motorcycle unit gets partially or completely damaged, do you have the money to pay for the expenses? If other persons get injured and get hospitalized, how will you pay for the bills? What about injuries to your backride, will you be able to cover it from your own pocket?
Assurance.PH frees you from making all these expenses by providing the needed cover for any damages or injuries that you may incur from the motorcycle accident. `With an Assurance.PH insurance policy, you can cover the cost of repair or replacement of your motorcycle in case of damage or theft. But an insurance policy does not only cover damages or repairs but also personal injuries and third-party liabilities. More than the protection, it also offers other benefits:
- Compulsory Third Party Liability (CTPL). Third party liability is a requirement by the law during motorcycle registration. CTPL protects you from liabilities that may arise from death and bodily injuries that you may have caused to a third party.
- Own Damage/Theft. In case of accidental collision, overturning, falling, fire, or malicious acts of a third party committed on your motorcycle.
- Excess Bodily Injury. Assurance.PH will provide coverage for legal liability from bodily injury and/or death caused by a third party due to an accident arising from the use of an insured vehicle.
- Voluntary Third Party Liability. Voluntary third-party liability offers protection from liability for damages to a property belonging to a third party that you may cause during a collision.
- Personal Accident Rider. Accidents can happen anytime and you want to make sure that you are protected when this happens. Assurance.PH will provide a personal accident rider for you and your backride.
- Acts of Nature. The forces of nature can cause severe damage to your two-wheels. Chances are you may not have the funds to cover the cost of repairs or damages to your unit. Assurance.PH will shoulder your expenses for any loss or damage to your insured vehicle, its accessories, and spare parts caused by natural disasters like earthquakes, typhoons, floods, volcanic eruptions, lightning, fire, and others.
Tips on Safely Riding Your Motorcycle
Without a doubt, riding a motorcycle is a cool and comfortable way of getting around the city. It allows you to reach your destination without the hassle of traffic. But once you get involved in a motorcycle accident, the repercussions could be more fatal than a four wheel. But you can reduce the risks of serious injuries or even death to any person if you will employ some safety precautions. Here are some ways you can safely reach your destination on your motorcycle.
- Wear The Proper Safety Gears
Riding a motorcycle has always been associated with being cool. This mindset might give you the complacency to be as comfortable as you can when riding your motorcycle. We often see riders wearing shorts, t-shirts, and sandals. Yes, they are comfortable but they are not the proper safety gears that will protect you from injuries or road rash in case you slide.
For safety purposes, you should put on your protective gear. Glasses or goggles are a must if you have an open-faced helmet. Ensure that your helmet is approved by the Department of Transportation. You may look silly on it but at least it will keep you safe. Wear motorcycle riding gloves to protect your hands. For complete protection, you can even wear leather or reinforced jackets, pants, and boots. Look for gear that offers ventilation and cooling during warm weather.
- Know Your Limitations
When riding on your motorcycle, make sure that you know your limits and riding skills. Make sure that neither the route nor motorcycle is more than you can handle. Your feet should rest flat on the base of the motorcycle when seated. If the bike feels heavy for you, it probably is. The handlebars and controls should be within your reach.
Familiarity with the route is key to a safe riding as it will allow you to focus on the road and not miss a turn. If you are on a group ride, don’t exceed your limits just to keep up with the pack. Always ride at your own pace and within your comfort level and not theirs.
- Do Pre-Ride Inspection
Before hitting the road, ensure that your ride is in good condition. Check tire pressure, mirrors, and lights. Look for loose bolts, possible leaks, or other mechanical issues. Do your due diligence in regular care and maintenance like oil change, chain and suspension adjustments, and stay on top of the brake pad and tire wear.
- Ride Smart
While mirrors are there for your safety, you should not rely on them solely to be aware of your surroundings. Awareness of your riding space and your position in connection with those around you, you need to ride smart.
It is important to keep your head and eyes up while rounding the corners. Look over your shoulders and make sure that you are clear to proceed. You will also get a feeling for whether other drivers are paying attention to you.
- Watch The Road
When riding a motorcycle, always focus on the road ahead. Be cautious when going into curves and look out for potential gravel or other unstable conditions. Take extra care when crossing railroad tracks as the paint can be slippery as well as the white lines in stoplights.
Riding a motorcycle can be fun but all that enjoyment can disappear if you crash or get involved in an accident. Follow these tips and you can look forward to reaching your destination safely.
Although you can settle for one or two coverages, you can have complete protection for your motorcycle. Talk to an Assurance.PH advisor for further details at contact@assurance.ph / 09157052031 or 09052050402.