If you’re a biker, you’ve probably wondered: “Do you need motorcycle insurance?” In 49 states, this coverage is a legal requirement. Not only will it protect you financially in the event of an accident, but it also helps cover the cost of medical bills and repairs. Whether you’re a beginner or an experienced rider, motorcycle insurance is a must. Find out why. And get your own policy now!
Motorcycle insurance is required in 49 states
Motorcycle insurance is a legal requirement in 49 states. Like car insurance, it covers losses caused by an uninsured or underinsured driver. UM/UIM policies typically cover medical expenses, lost wages, and property damage. While most states require that you carry insurance, not all have the same minimum requirements for bodily injury liability. For example, in Washington State, you must carry at least liability insurance when operating a motorcycle.
It offers financial protection in the event of an accident
Motorcycle insurance covers bodily injury and property damage and is legally required in most states. In addition to liability insurance, it may be worthwhile to consider additional coverage, such as comprehensive or collision coverage. These options are more expensive but can provide more protection in the event of an accident. Find out which options are right for you. These policies include medical payments for you and others, replacement parts, and legal defense costs. In addition, collision and comprehensive coverage may also cover your personal possessions and belongings, including motorcycle clothing.
It can help pay for repairs
There are many types of coverage for motorcycles, including liability coverage, comprehensive coverage, and collision coverage. The first two types of coverage pay for damages caused by road accidents, while the third type pays for damages to the motorcycle itself, irrespective of who is at fault. A comprehensive policy also pays for damages to the bike caused by vandalism, theft, or vandalism. All three types of coverage are essential for motorcycle loans and ownership.
It can cover medical costs
Medical payments coverage pays for your medical expenses if you are involved in a motorcycle accident. This type of coverage is often primary for people without health insurance, those with high deductible plans, and those on Medicare or Medicaid. Your insurance carrier may offer this coverage in amounts up to $25,000, which can help you cover out-of-pocket expenses. Medical payments coverage is also available for passengers in your motorcycle. If you are involved in a motorcycle accident, it is important to find out if this type of coverage is available to you.
It can cover property damage
Motorcycle insurance can cover damage to private and public property when a cyclist crashes into another vehicle. This can occur on a public highway or even when another vehicle is parked in a driveway. This coverage will pay for medical bills and repairs if the cyclist is injured, and it will also pay for damage to a mailbox, utility pole, flag pole, and even a house or shed. It is important to note that not all states require insurance coverage for motorcycle accidents, so check with your state’s laws before you purchase a policy.
It can cover medical costs for a passenger
While your motorcycle insurance policy is intended to cover damage to other people and property in the event of an accident, it will also cover medical expenses for a passenger. Medical payment coverage is designed to cover medical costs for a pedestrian who is struck by your motorcycle. This type of coverage pays up to $5,000 for the treatment of a pedestrian who is injured while riding a motorcycle. However, this coverage does not cover the cost of a passenger’s medical bills or pain and suffering, scarring, or permanent impairment.