Tampa Accident & Injury News- January 20
Will My Car Insurance Cover a Motorcycle?
A common misconception we hear all the time is that when you own a car and a motorcycle, that your car insurance covers you if you wreck either. We are here to right this wrong. No, you are not covered by your car insurance if you get in a motorcycle accident, and it is dangerous to believe so.
When you own a motorcycle you have to have a specific coverage if you get in an accident. You usually need a separate policy, as only a few insurance companies offer “motorcycle endorsements” that are attached to your regular car insurance. However, these endorsements are usually limited in coverage and don’t offer as much as a separate motorcycle policy.
Four teens were in a car that was traveling 130 mph before it flipped and crashed into a utility pole in the Gibsonton area this week. It happened on I-75. Two of the teens were ejected from the vehicle, as they were not wearing seat belts. Authorities say they found marijuana and alcoholic beverages inside the car. Parents, remember your kids are less likely to drive recklessly if you have set rules and conversations about safe driving.
Operation Helping Hands Tampa Chapter Dinner
We had such a wonderful time at the Operation Helping Hand – Tampa Chapter dinner last night, presenting a check of over $5,000 to the organization from Carrollwood Area Business Association donating the money raised at the CABA Golf Tournament Hancock Injury Attorneys sponsored! They host this dinner every third Thursday of the month at the James A. Haley Veterans’ Hospital.
Five students on a Pasco County school bus were thankfully not injured after the bus was T-boned by a semi-truck. The crash happened on SR-52 right under the I-75 overpass. Everyone was okay, except the driver’s assistant who was treated after the crash, and then released. The semi-truck driver, David Dunlop II, went around another vehicle stopped at a light and turned left into the bus. We think this video BEGS the ongoing question on the importance of seat belts in school buses. What do you think?
So the first question to answer is, what is “Gap Insurance”?
Gap insurance, or gap protection, covers the difference between what you owe on your car and how much the car is worth.
Do I need Gap insurance?
Not everyone needs gap insurance. Gap coverage is mainly used on new and used small vehicles or heavier trucks. Some financing companies even require it when buying a car. For a lot of drivers, a regular auto insurance policy is enough monetary protection to cover the costs of repair or replacement of a damaged or stolen car. But, if you total your car and the car’s cash value is less than the amount you owe on your lease or loan, that “gap,” is not covered by your normal insurance. Gap insurance can be considered a “debt-cancellation agreement” and covers the space between auto value and loan value.
Check back every Friday for our Personal Injury and Car Accident News roundup. We cover the latest news locally and nationally related to personal injury.
Injured in an accident? Call Attorney Mike Hancock with Hancock Injury Attorneys at 813.915.1110 for a free consultation.