Motorcyclists, like drivers, are required to carry liability insurance. The minimums for the state are $50,000 for bodily injury liability per accident and $20,000 for property damage liability. Liability coverage pays out if you cause damage or injuries to someone else in a motorcycle accident. There is also a universal helmet law for all riders, and failure to wear a helmet can result in a fine.
Besides the required insurance, there are other options for motorcycle coverage. An agent at Mutter Insurance Agency can help you decide which coverage is most appropriate for your situation.
Collision Coverage: The protection will cover your bike if you are in an accident, whether the accident is your fault or not. Liability coverage will not protect your property, but collision coverage will.
Comprehensive Coverage: If your motorcycle has damage that’s not related to an accident, then this is where comprehensive coverage comes in.
Uninsured/Underinsured Motorist Coverage: This insurance will cover you if a motorist in the state who is not insured hits you. With so many uninsured drivers potentially on the road, this coverage is essential. You are covered if someone hits you without insurance or if they don't have enough insurance to meet the requirements.
Medical Expenses: This coverage can offset the health insurance deductibles if you are injured or if your passengers are injured. It can be an added buffer if you’re responsible for an accident that causes some severe injuries.
Income Loss Benefits: A motorcycle accident can be life-altering and have serious consequences. This coverage can provide income for you and your family if there are accident-related injuries that keep you off the job. This will help with the lost income and benefits that follow.
Towing and Labor: It always seems like a bike can break down at an inconvenient time. This type of coverage will include towing and the work to get you back on the road.
Contact Mutter Insurance Agency to get a quote on motorcycle insurance.
