Discussing Motorcycle Insurance As A Necessity
Some may think owning a motorcycle is easy, but what many do not realize is that this mode of transport requires almost the exact same requirements as a car, and included in the list of things to do, is the need for insurance.
How Does Motorcycle Insurance Work
According to the Bureau of Statistical Information, the United States has over 885,000 motorcycles on the road in 2007, and it can be safe to deduce that this number has increased over the years. The laws regulating motorcycle use, age, licensing, and training do vary, but the main thing to keep in mind is that insurance is a major factor that cannot be ignored.
Before purchasing a motorbike, most riders are encouraged to take part in a motorcycle safety course upon which they receive a certificate. This often works to lower their premiums as many companies offer large discounts upon presentation of this certificate. Other discounts may depend on age, including insurance companies that offer more competitive rates to riders over the age of 50, while others specialize in ensuring younger riders. To get the best motorcycle insurance Lake Charles insurance companies have to offer means understanding the options available by exploring the coverage options available.
Types of motorcycle insurance Lake Charles companies sell
Liability insurance is the most basic form which normally covers the bodily injury and possible damage that may be caused to the property of a 3rd party. This does not cover the rider, but rather focuses on the other party with whom the rider may have collided with. It may also cover injury to a passenger rider, depending on the insurance company and laws of the area within which such an accident may happen.
Motorcycle Collision Insurance covers the damage to the motorbike upon collision with another vehicle, which means the company will usually pay for damages amounting to the book value amount of the bike minus deductibles.
Comprehensive Coverage in contrast with the above Motorcycle Collision Insurance pays for damages caused by anything other than a collision with another vehicle, such as theft, fire, or vandalism, covering the book value of the bike.
Personal Injury Protection which pays for the medical bills of the rider, passenger, and pedestrians who may be involved in an accident. This is usually offered on as an ‘add-on’ and may not necessarily be available across the country.
There are other disclaimers and additions to this insurance coverage such as Coverage for Customized Parts which will compel a insurer to pay for more than the standard factory parts that a motorcycle comes with. There is also the Uninsured/Underinsured motorist coverage which would pay for personal injury caused or damage to property by another driver who does not have insurance and usually covers medical treatment and lost wages.
Factors Determining Motorcycle Insurance Costs
There are a number of things that may make one individual be liable to pay more insurance costs than another, and these include:
- The age of the driver
- The driving record of the driver
- The area within which the driver lives
- The age of the motorcycle
- The number of miles the driver rides in a year
- The storage of the bike
These are just a few of the factors that contribute to the premiums involved in purchasing motorcycle insurance.
In conclusion, having motorcycle insurance is beneficial for both the rider and those in their environs. It protects owners from having to face major costs after an accident that could be financially devastating. Most states in the U.S require proof of insurance before registering a motorcycle and getting a license plate, meaning insurance is a solution that may keep one from ending up in the dirt.
Taking Responsibility? Here’s Why You Should Keep Car Insurance
There are several reasons why car insurance is a necessity and not an option for drivers. To begin with, car insurance is a legal requirement in the District of Columbia and most of the 50 states. However, there are drivers who would rather drive without car insurance, and this would be a costly mistake. Please note, that it would only take one accident for you to become indebted thousands or even tens of thousands of dollars.
Coverage In Louisiana
Let's talk about driving in Louisiana without having car insurance. First, opting not to have car insurance will most likely result in heavy fines. If pulled over, you could also have your license suspended or your car can be impounded. If you opt out of carrying car insurance in Lake Charles, the state has a “no pay, no play” law which means that even if the other driver is at fault in an accident, you can not collect financial loss. These are just a few examples of how much you stand to lose if you do not carry car insurance.
But, much of these costs can be eliminated by a cost effective car insurance policy. In Louisiana, drivers are under an “at-fault” system meaning that the person who is at fault in a car accident is the driver that will be responsible for all financial costs, including vehicle damages, medical expenses from injuries incurred in the accident, lost income, and possibly more.
Collision and Comprehensive Coverage
In general, as a car owner, you should have collision and comprehensive coverage as part of your auto insurance policy. Comprehensive coverage helps to pay for repairs whether damage was caused by a car accident or in the unfortunate event a tree fell on it. This coverage also helps with a replacement if your car is stolen. Collision insurance coverage will repair your car if you are hit by another driver or by an object.
Taking a chance by not having collision or comprehensive coverage is going to render you a large financial loss. Keep in mind that most financial institutions and leasing companies will require you to purchase and maintain comprehensive and collision. .
Below are 3 reasons why car insurance is a necessity and not an option:
1.Car Insurance Supports Your Health Insurance
If you're injured in a car accident your insurance offers coverages for injuries that you experience as a driver. Car insurance can pay for unfortunate injuries from a car accident that most health insurances do not cover, i.e., care for accident-related dental care, or funeral expenses. Additional medical expenses related to an automobile accident that is provided under your car insurance policy's medical payments coverage can include:
* EMT charges
* coverage for hospital and doctor visits
* nursing services and medical care
* rehabilitation care
* surgical procedures
Coverage also pays for the medical treatment of injuries to passengers and to help recover any financial compensation. Medical expense claims for car accidents total more than $277 billion each year.
2.Car Insurance Provides Legal Protection
Even if you have car insurance you can still be sued for damages, especially if you are at fault. There is nothing to stop the other driver from suing you after an accident even if they are in the wrong. For experienced assistance purchasing car insurance in Lake Charles, Kelly Lee Insurance is your go to resource in the state of Louisiana.
Liability insurance or bodily injury liability can cover your court costs, while property damage liability covers damages to another person's property. Liability coverage can help settle lawsuits brought against you, including providing a lawyer to represent you.
3.Car Insurance Provides Protection From Acts Of God
There have been 56 hurricanes hit the Louisiana coast since the year 1851. This equates to a storm occurring every three years. With winds, flying debris, flooding, and more, comprehensive car insurance coverage covers you from damages caused by natural disasters.
Getting auto insurance in Lake Charles can help repair your vehicle or replace it. In recent news, we have heard of avalanches roaring unexpectedly down mountain highways destroying everything in their path.
Car insurance can provide coverage from earthquakes, hurricanes, tornadoes, floods, fires, and more. To find affordable auto insurance in Lake Charles call Kelly Lee Insurance where we are sure to have the additional coverage you need that includes falling objects, explosions, windstorms, hail, thefts, riot, or an unfortunate collision with an animal.
If you are unsure of what you need in an insurance policy, call us today. We often write same day policies. Call (337) 656-2890 or visit www.kellyleeinsurance.com/auto-quote for an online auto insurance quote.
Our nation is in the midst of an unprecedented opioid epidemic. More people died from drug overdoses in 2014 than in any year on record, and the majority of drug overdose deaths (more than six out of ten) involved an opioid.
Since 1999, the rate of overdose deaths involving opioids—including prescription opioid pain relievers and heroin—nearly quadrupled, and over 165,000 people have died from prescription opioid overdoses.
Prescription pain medication deaths remain far too high, and in 2014, the most recent year on record, there was a sharp increase in heroin-involved deaths and an increase in deaths involving synthetic opioids such as fentanyl.
Economic Impact of the Opioid Epidemic:
- 55 billion in health and social costs related to prescription opioid abuse each year
- 20 billion in emergency department and inpatient care for opioid poisonings
On an average day in the U.S.:
- More than 650,000 opioid prescriptions dispensed
- 3,900 people initiate nonmedical use of prescription opioids
- 580 people initiate heroin use
- 78 people die from an opioid-related overdose
Louisiana Department of Health gets $8.1 million federal grant to address opioid crisis.
The State now has more funding to fight the opioid epidemic. The Substance Abuse and Mental Health Services Administration (SAMHSA) has awarded the Louisiana Department of Health a grant to target and reduce opioid abuse across the state. The State Targeted Response to the Opioid Crisis Grant is funded at $8,167,971 a year for two years.
Dr. Rebekah Gee, secretary of the Louisiana Department of Health said the state is in the midst of an opioid crisis and the grant will help address the problem.
“Louisiana averages 122 opioid prescriptions per 100 people. This is a significant concern because 80 percent of heroin users reported starting out misusing prescription opioid medications,” said Gee. “Additionally, by mid-year 2016, in both East Baton Rouge and Orleans parishes, narcotic overdose deaths surpassed homicide deaths.”
The Louisiana Department of Health, Office of Behavioral Health will administer the grant which will be used to enhance existing statewide prevention, treatment and recovery services that are available to individuals who are addicted to opioids or who are at risk for opioid addiction or opioid abuse or misuse.
Initiatives funded by the grant include:
Implement opioid prevention strategies that includes a mass media educational campaign targeted to those who are at risk for an opioid disorder, and health care provider training.
Develop an intervention strategy that focuses on Naloxone education and distribution of this medication to target populations.
At the local level, build treatment capacity within the existing networks of behavioral health providers. The goal is to provide access to evidence-based treatments, particularly Medication Assisted Treatment, and education and training on non-opioid alternatives. Funding will be directed to the state’s 10 local opioid treatment programs.
Increase treatment and prevention capacity for people with opioid addictions or disorders through funding that will be directed to the state’s 10 local human service districts/authorities.
Partner with the Department of Corrections to provide opioid treatment services for offenders who participate in re-entry-programs at two designated prison facilities. These programs will identify at-risk offenders nine months prior to release, and will provide individualized treatment and robust discharge planning to ensure they continue treatment after leaving prison.
“More than 75 percent of offenders have a substance use disorder, and they are at high risk of engaging in substance use unless provided treatment prior to release,” said James M. Le Blanc, Department of Public Safety and Corrections secretary. “We are optimistic these programs will result in a decrease in substance use-related crimes, and will see fewer offenders return to prison, thus saving taxpayers money, and reducing the number of crime victims.”
“This grant allows us to continue our focus on statewide planning and implementation for opioid education, prevention, treatment and recovery support services. We’re looking forward to working with our partners across the state to reduce the number of opioid prescriptions, and to reduce opioid abuse,” said Dr. Janice Petersen, Louisiana Department of Health’s principal investigator for this grant.