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Owning a motorcycle can be a lot of fun, but when it comes time for insurance, I see many of the same people become lost as to what type of motorcycle

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

coverage they really need. So, just what do you need to look for in a motorcycle insurance policy? Here are some quick tips to help.

Protecting Yourse

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

lf And Passengers

Liability Coverage - Naturally, liability coverage is a must to help in protecting others in case you're deemed to be at fault in a

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

covered accident. Talk with your insurance agent about the amount of liability coverage you need.

Guest Passenger Liability Coverage - This coverage p

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

rovides protection for bodily injuries to any passenger that you may have on your motorcycle should you be at fault in a covered accident.

Medical Pay

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

ments - This coverage provides payments for reasonable medical treatment for you or another injured person in the event of an accident.

Uninsured / Un

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

derinsured Motorist - This protection will cover damages caused by those drivers who fail to carry any insurance at all, or don't carry enough to pay f

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

r the damages.

Protecting Your Motorcycle

Collision - Pays for the repairs or replacement of your motorcycle in the case of a covered accident. Gener

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

ally, you'll use this coverage if you are at fault, but in other cases it can be used even if you're not at fault and the other insurance company is sl

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

ow to settle the claim. Once they do, your insurance company will refund you back your deductible.

Comprehensive - This motorcycle insurance coverage

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

pays for covered losses from damages caused by peril other than collision. Typically, this would include fire, theft, vandalism, storm damage and other

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

covered causes. Talk to your agent for a complete list of covered causes.

Added Equipment Coverage - Have you added on some custom options to your mo

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

torcycle? You may need to have this coverage added to your policy. It covers a loss for equipment that was not included as standard equipment, or equip

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

ment that was not permanently installed by the manufacturer. This is an important coverage to consider adding.

Towing - This option provides for reimb

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

rsement of towing charges up to the policy limit in the event your motorcycle breaks down.

Rental Reimbursement - In the event of a covered loss, if y

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

ou also have comp and collision coverage on your policy, you can have rental transportation while your motorcycle is being repaired. You'll be able to

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

rent a car and the policy will reimburse your expense up to the policy limits.

Other Discounts

Multiple Motorcycles - Many motorcycle insurers will o

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

ffer a multi-cycle discount if you have more than one motorcycle on the same policy. This discount can really add up over time, so check to see that a

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

company offers this coverage if this applies to you.

Motorcycle Safety Course Discount - This is another discount you may be eligible for if you have

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

passed a motorcycle safety course. Generally, the discount applies for up to 3 years after certification. Again, talk to your agent about this coverage

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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