1 of 5 Full Screen Autoplay Close Skip Ad × What you need to know about the motorcycle insurance debate View Photos Motorcycles, as a group, are increasingly viewed as a way to get around in congested urban areas.
But some people argue that they should have the right to use them as a means of transportation.
Here’s a look at how motorcycle insurance works.
Caption Motorcycles are increasingly seen as a method of transportation, with the average American riding about 300 miles a year, compared with about 70 miles in 2010.
But drivers also often have to pay for their own safety equipment, such as seat belts, brakes and airbags.
The cost of motorcycle insurance is high for some drivers, but for many, it’s not a major concern.
A 2013 survey of nearly 2,000 drivers in the U.S. found that those who say they are responsible for a crash were the most likely to receive coverage.
The survey of drivers was done by Experian, the insurance company.
The insurance industry generally doesn’t track crashes involving motorcycles, but it did say in a report in 2013 that its survey showed that about 30% of crashes involving bikes involved serious injuries.
That’s an increase from about 7% of those crashes in 2010, when the average age of a motorcycle rider was 35, according to the report.
The report noted that many riders had no other means of protection against a crash, including helmets and the seat belt.
The American Automobile Association said in a statement that “Motorcycle riders are no less likely to be involved in serious crashes than motorists.”
Motorcycle insurance can be costly for the average driver, though.
Insurance companies have begun to charge more for motorcycle coverage in recent years.
The average deductible for a driver’s motorcycle coverage has been $2,600 since 2011, according the Insurance Institute for Highway Safety.
A 2010 survey by the Insurance Information Institute showed that the average deductible was $3,300 in 2016.
The Institute also found that premiums for a motorcycle are on average higher than other motorized vehicles.
Motorcycle accident victims typically receive about $1,500 to $3:1 for their coverage, according a survey of more than 700 people who suffered motorcycle-related injuries in the past year.
The crash victims, who included cyclists, pedestrians, joggers and bicyclists, were randomly selected from people who reported being injured on a motorcycle.
The institute used data from the National Highway Traffic Safety Administration and a state insurance database to determine the average price of motorized injury coverage.
A rider who died in a motorcycle crash was paid about $15,600 to $23,600, depending on whether they were a driver or passenger.
The insurer is also charged by the state for damages.
That includes damage to the motorcycle itself, including damages to the frame and body.
Motorcyclists who die in a crash are typically paid for up to a year and a half after their death, depending how long it took for the insurance to process their claims.
The government also pays for the cost of funeral costs.
Insurance rates vary by state.
In Texas, the average premium is about $2.5 million per year, the report said.
But insurance rates in Colorado and California are even higher, according for instance to the Insurance Department of California.
For example, the Insurance Bureau of California says that its average premium for motorcycle insurance was $9,400 in 2016, but the agency says its average rate for commercial vehicle insurance is $14,400.
That means that an average of $23.4 million per month is spent on motorized accident victims in California.
The number of motorcycle crashes that are fatal varies by state, but fatalities are also higher in states where insurance rates are higher, such in Massachusetts, New Jersey and Virginia.
A study by the Institute of Medicine in 2013 found that more than 70% of motorcycle-involved crashes in the United States in 2015 involved people aged 50 to 64.
The study also found a higher number of people killed in crashes in Texas than in any other state.
The Texas crash rate is so high that the state is expected to surpass the national average of about 15 motorcycle crashes per year.
It also has the second-highest rate of fatal motorcycle crashes in all 50 states.
The National Highway Transportation Safety Administration is responsible for overseeing motorcycle safety, and it is responsible, in part, for developing motorcycle accident rules.
However, the federal government has little oversight.
The Highway Safety Administration has no role in regulating motorcycle insurance.