The Most Frequent Motorcycle Insurance Claims
Motorcycles share the road with personal automobiles but they file different insurance claims most frequently. Single vehicle accidents accounted for the most motorcycle insurance claims, while rear-end collisions accounted for the highest number of auto insurance claims, according to a study by Progressive in 2014. A motorcyclist's greatest adversary when it comes to insurance is him or herself and their claims amount to a sizeable losses.
The Government Accountability Office (GAO) estimated that direct losses due to motorcycle crashes in the U.S. amounted to $16 billion. That estimate included the obvious: emergency services, medical costs including rehabilitation and property damage. It also accounted for things such as loss of market productivity or lost wages, household productivity and insurance costs such as claims and the cost of defense attorneys. Since 2010, the number of motorcycle injuries has increased to 88,000 from 82,000 and the cost of medical care has increased. Taking those factors into consideration, it’s safe to assume that a more current study would result in a higher direct loss. Long-term medical costs were not included in the GAO estimate, either.
The table below of Progressive's claims also shows the prevalence of motorcycle theft claims in comparison to other types of claims. Stolen and unrecovered motorcycles accounted for the fourth most motorcycle claims, but theft claims weren't even in the top five of personal auto claims.
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