Manchester, NH, offers 1,200 miles of opportunities to take the road less traveled. Off-road motorcycle trails include Haystack, Farnum, Wild River Roads, and Jericho Mountain.
AS Insurance Agency wants you to enjoy your NH riding adventures. However, we don’t recommend navigating the most extensive northeast interconnected trail system without insurance. The coverage you need differs from when driving an automobile.
Motorcycle Driving Risks
Historically, the government has warned of the heightened risk of motorcycle driving. Fatalities may occur at least 20 times more on a motorcycle than in a car.
It’s no secret that your vulnerability to the open air and nearby traffic puts you in increased danger. When riding a motorcycle, it’s best to have the highest level of personal injury coverage you can afford.
Car Versus Motorcycle Coverage
Car drivers may not need as much coverage as when riding a motorcycle. It’s assumed that at least some of a passenger’s medical expenses are included. For a motorcycle, it’s not so clear.
Now, some people think of motorcycles as a “joyriding” toy. They often have a passenger in the back. However, insurance agents typically classify a motorcycle as a one-person vehicle.
Expect to pay higher premiums if you frequently have passengers on your bike. You may also need to add extended personal injury coverage to your policy.
Insurance Alone Won’t Save You
Insurance only protects your finances. It alone won’t save you from injury or death. The AS Insurance Agency serving Manchester, NH encourages you to stay safe.
The New Hampshire Division of Motor Vehicles provides a motorcycle training program. It’s open to both new and experienced riders.
Gloves, hats, goggles, jackets, and other protective equipment will also prevent damage. Inspect your ATV or motorcycle regularly, and don’t procrastinate on needed repairs.
We hope you have fun and never get injured. AS Insurance agents are here for you if you experience unexpected trouble. Contact us today if you need assistance.
