Motorcycle insurance in Singapore is an important measure to protect you and other road users. It should cover replacements, repair costs, and medical bills for anyone involved in the accident. Instead of paying for the damages out of pocket, the right policy can help shoulder the financial responsibilities.
Common Motorcycle Injuries
Accidents don’t just cause physical injuries but lead to loss of life and properties. Many people, especially new drivers, think that a motorcycle accident is just a minor scrape or bruise, but the truth is that it can result in serious injuries.
Injuries to the face and head are quite common in motorcycle accidents, especially during high-speed crashes. This is because the facial bones are incredibly fragile and can break or cut under high-impact crashes. This results in severe cuts, bruises, and swelling of the face. In many cases, these injuries require reconstructive surgery to repair broken facial bones or to restore damaged nose cartilage. If your face or head has been injured in an accident, you should seek medical attention immediately.
Other possible injuries after a motorcycle accident include:
- Spinal cord injuries and paralysis (paraplegia and quadriplegia/tetraplegia)
- Traumatic brain injuries (TBI)
- Back Injuries
- Internal injuries
- Burns
- Disfiguring facial injuries and scars
- Fractures and broken bones
- Limb loss and amputation
Reasons you need Motorcycle Insurance In Singapore
The importance of motorcycle insurance in Singapore can not be underestimated. Having the right motorcycle insurance policy can save you money because it covers more than just your bike and belongings. Here are the benefits and coverage:
Liability Coverage
It’s better to get a policy that covers medical expenses for anyone injured in an accident, damage to property, and repair costs for the motorcycle. If you have any of your belongings stolen or damaged, you don’t have to worry about paying for them out of pocket. Additionally, motorcycle insurance policy can cover your medical bills and compensate you for your lost wages and earning potential if you are involved in an accident that results in bodily injury.
Roadside Insurance & Towing
As a biker, you should also have roadside insurance. Roadside and towing insurance provide coverage to get your motorcycle towed to the nearest repair shop. With it, you won’t have to worry about paying for towing services or repairs out-of-pocket, allowing you to concentrate on getting your bike fixed.
Breakdown Coverage
Without motorcycle insurance, you have to pay for breakdown assistance and repairs out of pocket. The cost to repair your bike can quickly add up, especially if there’s a lot of damage done to it. The right motorcycle insurance policy can also help with regular maintenance and repairs.
Causes of Motorcycle Accidents
Several common causes of motorcycle accidents can cause injury and damage. These include driving under the influence (DUI), failing to yield right of way, reckless driving, pedestrians and others careless driving.
No matter the cause, a motorcycle insurance policy can protect you from financial losses in case of an accident. It covers any damages or injury to third parties such as pedestrians, other vehicles on the road, or other property. You can also take out a policy for yourself and your bike.
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