Driving a motorbike isn’t just adventurous, it’s also a convenient way to travel, especially for Gen Z consumers. Just as you need insurance for your car, motorcycle insurance is equally important if you want to ride it around the town. Motorcycle insurance allows you to protect yourself, your investment, and your passengers.

 

Motorcycle Insurance Requirements

 

In most US states, motorcycle owners need to purchase liability insurance which helps them pay the compensation or reimburse someone when they cause an accident. The lowest amount of motorcycle liability insurance you need to purchase in any US state is the same as the minimum car insurance requirements in your state.

 

However, it’s always better to purchase an excess liability coverage (more than the minimum requirements in your state) because the minimum amount isn’t sufficient enough to protect your assets when you get sued for an accident. To pay the legal costs, you need to buy a higher amount of insurance. If not, the creditors may confiscate some of your assets.

 

Also, always conduct a meeting with your insurance firm and ensure that your bodily injury liability insurance covers passengers.

 

Coverage Options

 

Uninsured/Underinsured Coverage

 

When an injury is caused by an uninsured or underinsured driver, it also includes property damage. Most insurance companies need to pay separately for this type of coverage.

 

Collision

 

It pays for the repair costs for your motorcycle if you hit another object or vehicle.

 

Comprehensive

 

Comprehensive insurance pays out when someone’s motorcycle gets stolen or damaged. The reason for motorcycle damage must not be a collision. It also covers animal collisions.

 

Medical Payments

 

This insurance covers the payment of medical bills if a motorcycle owner or their passenger gets injured in an accident. It’s different from personal injury protection because it doesn’t cover your lost wages or costs. This insurance isn’t available in all US states. This type of insurance can help you cover your medical costs if you encounter an accident and don’t have health insurance.

 

Motorcycle Insurance Lay-Up Periods

 

Several insurance companies also offer lay-up insurance during the winter season. When you put your motorcycle in the storage, the insurance covers the motorcycle owner against theft and other events that may happen when their motorcycle is parked in the storage, lay-up coverage helps you cut down your annual insurance costs. However, if someone rides their motorcycle out during the lay-up time and encounters an accident, the insurance won’t cover that accident.

 

GetMotorcycle Insurance in San Angelo!

 

 

To ride your motorcycle on the roads, you first need to get motorcycle insurance. There are only a few firms in San Angelo that offer reliable motorcycle insurance services. Try to consult an insurance firm that’s highly experienced and licensed. Want to get insurance for your motorcycle? Feel free to visit our website or contact us online if you want to purchase an auto insurance policy or need more help choosing the right plan.