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Obtaining motorcycle insurance may be a required procedure for riders in most U.S. states so as to stay in accordance with state motor vehicle laws. Getting insurance for motorcycle operation is also a step that should not be avoided by motorcyclists who wish to be financially protected in case of an accident resulting in injuries, or even death. Car crashes on roads and highways are very common, therefore, purchasing the best motorcycle insurance in addition to vehicle coverage is necessary for the protection of all traffic participants. Motorcycle insurance companies generally offer different types of coverage, including personal injury protection (PIP), bodily injury liability, property damage coverage and more, which vary depending on several factors. Prior to obtaining full coverage motorcycle insurance, riders are encouraged to contact several insurance providers, and perform insurance quotes comparison, so as to ensure they purchase the one that is most suitable for their circumstances. Learn more about where and how to get motorcycle insurance by reading the following sections:
- Motorcycle insurance requirements.
- Types of motorcycle insurance.
- How to obtain motorcycle insurance quotes.
Motorcycle Insurance Requirements
Riders in specific U.S. states, such as California are obliged to get motorcycle insurance and maintain financial responsibility at all times, otherwise they may face severe penalties. When obtaining insurance for motorbikes, motorists are usually required to adhere to the applicable laws for minimum amounts of coverage, which generally differ from state to state, thus meeting the criteria set by their state motor vehicle agency. Riders in California, for instance, must purchase the following amounts of motorbike insurance, under the Compulsory Financial Responsibility Law:
- $5,000 for damage to property.
- $15,000 for bodily injury or death to one person.
- $30,000 for injury/death to more than one person.
Motorists in Florida, on the other hand, may need to purchase liability coverage from a licensed motorcycle insurance agency only under certain circumstances. Though obtaining full coverage motorcycle insurance in this state is not a requirement to register a motorbike, as when registering standard motor vehicles, certain benefits may arise from the process. For instance, FL riders older than 21 years of age who purchased medical insurance in the amount of $10,000 or more may be allowed to operate their motorbike without wearing a helmet, which is otherwise required.
Note: Before initiating the process of comparing motorcycle insurance prices and signing an insurance contract, contact a licensed insurance agent to inquire about your state's requirements and other details pertaining to purchasing liability coverage.
Types of Motorcycle Insurance
Regardless of whether full coverage motorbike insurance is required or not, riders seeking insurance will need to select the one that is most suitable for their case. Motorcycle insurance companies generally offer several types of coverage, including the following:
- Bodily injury coverage - This type of coverage helps pay for bodily injury damages, including medical expenses, loss of income or funeral costs of other people following an accident that you caused.
- Property damage liability - A type of motorcycle insurance which helps you pay damages to another rider's property resulting from a crash you caused.
- Motorcycle medical payments coverage - This coverage can help you with your medical costs, provided you have been injured in an accident.
- Personal injury protection (PIP) - A type of insurance that is similar to medical payments, as it helps you with medical costs, and is usually required in no-fault states. Remember that motorcyclists are usually an exception to state no-fault laws.
Note: The aforementioned list is not all-inclusive, and other types of motorcycle insurance, such as comprehensive, collision, uninsured motorist and more may be available to riders in U.S.
How to Obtain Motorcycle Insurance Quotes
An important step when purchasing coverage is to compare motorcycle insurance rates to ensure that you get one within the scope of your budget. Should you wish to obtain cheap motorcycle insurance, you are encouraged to contact several insurance providers and perform a quote comparison in a timely manner. Note that online motorcycle insurance quote comparison is another convenient option nowadays, as it is usually free of charge and can help you save a significant amount of money on your insurance. Should you wish to get affordable motorcycle insurance, utilize the internet to conduct in-depth research and compare quotes. In addition to this, remember to contact a reliable insurance provider to get familiar with the process of paying, and to inquire about the possibility of applying for a discount on your premium.
Note: Prior to determining the cost of motorcycle insurance, insurance providers tend to run driving record checks on their potential clients, for the purposes of learning more about their behind-the-wheel history, including any prior traffic tickets or serious offenses.