Why Do You Need Motorcycle Insurance?

Riding a motorcycle gives you a unique feeling of freedom and excitement. However, it also comes with risks. Motorcycle liability insurance is required in many states, and knowing why can help you choose appropriate coverage.

Legal Requirements and Financial Protection

In most states, motorcycle insurance is required by law. This enables riders to cover the costs of any damage or injuries they might cause in an accident. Minimally, you’re often required to carry liability insurance, which can help pay for bodily injury and property damage to others if you are at fault. Without this coverage, you could face substantial out-of-pocket expenses and legal issues.

Comprehensive and Collision Coverage

Comprehensive coverage can protect against non-collision-related incidents such as theft, vandalism and natural disasters. Collision coverage, on the other hand, can pay for repairs or replacement of your bike if it is damaged in an accident, regardless of fault. This is essential for riders with newer or high-value motorcycles.

Uninsured/Underinsured Motorist Coverage

Despite legal requirements, not all drivers carry adequate insurance. Uninsured/underinsured motorist coverage can help cover your damages if an at-fault party lacks sufficient insurance. This coverage may help you avoid being left financially vulnerable if you are involved in an accident with an underinsured driver.

Medical Payments Coverage

Motorcyclists are more vulnerable to severe injuries in accidents. Medical payments coverage may help pay for medical expenses for you and your passenger, regardless of fault.

Your Reliable Insurance Partner

When it comes to securing the best motorcycle insurance, look no further than ABC Insurance & Financial Services Inc. Based in Tucson, Arizona, we can offer personalized insurance solutions tailored to your needs. Contact us today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.