Riding a motorcycle seems exciting, but it also poses risks to your health and safety. A motorcycle is a vehicle and you may face accidents, injuries and other concerns on the road.
In most situations, you need motorcycle insurance to protect against an accident.
Required Coverage for your Motorcycle
Most states require motorcycle insurance for your vehicle. The standards depend on the state. In most states, you must buy a policy for liability and personal injuries. The exact amount of coverage depends on the state and local laws.
Always read the details of your state laws to determine the standards in your local area. You may consider buying extra coverage for your concerns. Since a basic policy usually has limited liability and personal injury coverage, more insurance often helps. Your insurance agent can help you determine what levels of coverage you need.
Adding to the Basic Policy
Adding to your policy starts with the basic plan. The basic policy usually protects against liability risks and personal injuries. You may decide to add to the amount of coverage provided in your policy or protect against further risks. For example, a comprehensive policy can protect against theft as well as liability risks.
Identify your concerns for your motorcycle. Focus on your concerns when you add to your policy. You can also consider a comprehensive policy. A comprehensive policy may give you more coverage for liability, injuries and unexpected problems. Read the policy to clarify the details and ensure that you understand your coverage before an accident occurs.
Other Vehicles Covered by the Policies
A motorcycle insurance policy may cover other vehicles in some states. Sometimes, the policy applies to mopeds and motor scooters as well as motorcycles. However, you must identify the vehicle to your insurance provider.
When covering a moped or motor scooter, pay attention to your local and state laws. Motorcycle insurance is not required for a moped in every state if your vehicle has a small engine under 50 cubic centimeters or it does not reach speeds of 30 miles per hour or faster. Many states will require coverage if your moped or motor scooter exceeds 30 miles per hour and some insurance providers may cover the vehicle as a motorcycle.
When you ride a motorcycle, you need insurance to protect your vehicle, health and the safety of others. While the standards for coverage vary by location, you do need coverage for liability in most states.
We've got you covered. Call Policy Goat at (215) 638-1525 to get a fast, free motorcycle insurance quote.