Leakey
Motorcycle Insurance

The Crash With Nobody Else In It

Ranch Roads 335, 336 and 337 draw riders from every city in Texas, and the reason is the same reason they are dangerous: sustained technical corners, elevation change, and almost no traffic to slow anybody down. That combination produces a crash profile unlike a city’s. In a metro, the typical serious motorcycle crash involves another vehicle, and the other driver’s liability coverage is where recovery begins. Out here it frequently does not. A rider running out of talent in a decreasing-radius corner, a low-side on gravel washed across the apex, a run-off on a road with no shoulder and a real drop — none of those involve a second vehicle, and a liability-only policy responds to none of them. Liability exists to pay other people for what you did to them. It contributes nothing toward your own motorcycle. Riders who have carried liability-only for years without incident are often genuinely surprised by this, and the surprise arrives at the worst possible time, several hundred miles from home with a bike on its side. Collision coverage is the answer, medical payments is the companion to it because the ambulance ride out of this country is long, and the roads themselves supply the rest of the argument: open range livestock, axis deer that do not behave like whitetail, and no cell signal to call anybody with.