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Motorcycle accidents account for almost half of all motor vehicle fatalities. Knowing this, motorcyclists should not only ride defensively, they should ensure that they have purchased adequate insurance to cover themselves, their passengers and their motorcycle in the event of a crash. This advice is underscored by reports of a recent accident.

On Tuesday, a motorcycle carrying two men – one in his 30s, another in his 20s, crashed into the guardrail on the West Seattle Bridge. Police and firefighters were called to the scene and the motorcycle driver and passenger were transported to Harborview Medical Center with leg fractures. Neither men involved in the crash suffered life-threatening injures. Police believe that speed may have been a factor in the crash.

Motorcycle riders do not have to carry liability insurance. But it should be something every rider purchases for at least two reasons. First, it will cover injuries to your passengers if you make a mistake and go down. Second, it is a pre-condition to purchasing UIM coverage which is absolutely essential for every rider. If you need advice about purchasing motorcycle insurance, please ask. We’d be happy to help.

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