Motorcycles Are Closer To Accidents.
Is Yours Insured?
Motorcycle riders are aplenty these days. From food delivery riders to office workers, two-wheeled rides are a common place in the streets of Metro Manila and the provinces. According to Statista, there were 1.44 million motorcycle units sold in the Philippines in 2021, a 19% increase from the total number of motorcycle units sold in 2020. Drivers of four-wheeled vehicles have learned to share the road with their two-wheeled counterparts.
While riding a motorcycle is fun and convenient, motorcycle riders need to be aware of the risks associated with their mode of transportation. In 2020, car accidents accounted for 41.01% of road accidents as compared to 20.16%. For this reason, you need to take into account your personal safety, your passengers, other drivers, and other vehicles. Motorcycles are prone to accidents and when you get involved in one, the consequences are usually fatal. This is why getting motorcycle insurance is vital.
Ride With A Peace of Mind
You may think of motorcycle insurance as another financial obligation. But it is a necessary expense as it gives you a layer of financial protection during accidents. The cost of motorcycle damage and repair can empty your wallet. Motorcycle insurance will give you the coverage that you need for accident-related expenses.
Having an insurance policy will give you the peace of mind that you won’t pay for the costs you will incur from motorcycle-related accidents. Your insurance provider will pay for the cost of damages and repairs after careful assessment and evaluation. While you may have a third-party liability coverage when you registered your motorcycle, it may not be enough to cover the cost of damages. Aside from that, it will only cover the cost of damages that the other driver will incur. How about the cost of your damages? This is where motorcycle insurance comes in.
What Does Motorcycle Insurance Cover?
Maybe you are considering yourself as a safe driver but what about the other drivers? The road is full of uncertainties and you do not know when an accident will happen. The only thing you can do is prepare for such emergencies and get yourself motorcycle insurance. You can’t leave yourself and your motorcycle to chance.
An Assurance PH motorcycle insurance is just what you need to protect you from accident-related expenses. Here’s what you will get from our motorcycle insurance policy:
- Compulsory Third Party Liability (CTPL). Just like in car insurance, CTPL is required by law upon registration of your motorcycle. It protects you from liabilities arising from death and bodily injuries to a third-party.
- Own Damage/Theft. It provides protection against accidental collision, overturning, falling, fire, and malicious acts of a third party on your vehicle.
- Excess Bodily Injury. This is supplemental coverage to your CTPL. It covers for legal liabilities in respect to bodily injuries and/or death caused to a third party arising from the use of the insured vehicle.
- Voluntary Third Party Liability. This is a protection against liability for damages against the property of a third-party.
- Personal Accident Rider. An Assurance PH personal accident rider comes with medical reimbursement while boarding, alighting, and riding your motorcycle.
Acts of Nature. This rider provides protection for the loss or damage to your vehicle, its accessories, and spare parts as a result of an earthquake., typhoons, flood, volcanic eruption, lightning, fire, and other natural disasters.
Tips For Safely Riding Your Motorcycle
Riding a motorcycle can be fun and adventurous. However, you also need to accept the fact that it poses a lot of risks. Motorcycle accidents are also prevalent these days. No matter how safety conscious you are, you are at the mercy of the other drivers who do not have the same mindset that you have. With that in mind, here are 6 tips for ensuring you have a safe ride on your two-wheels.
- Take a safety course
A safety course will teach you the rules of the road you need to keep in mind when riding your motorcycle. You will also learn the appropriate actions you need when riding in unpredictable situations. The first thing safety courses will teach you is good riding and judgment skills.
- Wear the appropriate gear
Motorcycle gear protects you from the elements, debris, and road rash. Wear a helmet that is approved by the Department of Transportation. Other appropriate gear include goggles, leather jacket,pants or chaps, over the ankle boots, and non-slip gloves. Dress in layers for easy adjustment to changing weather during the day.
- Check the weather before riding
Driving in the rain and other elements can be hazardous for motorcycle riders. Unlike a car, you have less traction and you have lower visibility. It is best to reschedule your ride if inclement weather is in the forecast.
- Practice Pre-ride Safety Check
Before heading out to your planned ride, do inspect your motorcycle to ensure that you can have a safe ride. Check your headlights, taillights, turn signals, brakes, fuel, oil, tire pressure, mirrors, handlebars, and horn.
- Stay at a safe distance
Avoid tailgating at all times. It will not give you enough time to react in case something happens to the drivers in front of you. Drive defensively and stay at a safe distance. It is recommended to stay at least four seconds away from the vehicle in front. By doing so, you can easily execute escape plans like moving to a shoulder should you not be able to stop in time.
- Obey traffic signals and drive within the speed limit
This may sound very basic but following traffic rules and the posted speed limit is important for your safety. Republic Act 4136 or the Land Transportation Traffic Code sets the maximum speed limits for cars and motorcycles in different types of roads so make sure to follow it. Overspeeding is one of the top causes of accidents in the country. Once apprehended for driving above the required speed limit may subject you to fines or even suspension of your license.
When riding a motorcycle, always keep in mind that you are not alone on the road. You share it with other vehicles and pedestrians. Safe driving will help prevent getting involved in accidents. But when you do, you can count on Assurance PH to give you the protection you need from motorcycle accidents. Get in touch with an AssurancePh advisor for further details at contact@assurance.ph / 09157052031 or 09052050402.