As a motorcyclist you know there are risks out there. You can’t always prevent an accident from happening, but you can be prepared. Every State in the United States requires motorcyclists to have liability insurance (with the exception of Florida). Liability insurance pays for the damages or injuries you cause in an accident, as well as your legal defense if needed. Liability insurance has three forms of coverage: bodily injury for one person, bodily liability for all people involved, and property liability. If you were the cause of the accident, and someone was injured, the bodily injury liability would cover the costs of medical treatment for that person.
When you purchase motorcycle insurance you will select the limits. You will need to consider how much you can afford to pay out of pocket in the event of an accident. In a severe accident you will have to pay even more out of pocket if the costs of the crash exceed your limits.
For example, if you choose a “State Minimum” 25/50/15 plan then the insurance company will pay $25,000 in medical care for one person, $50,000 for all injuries, and $15,000 in property damage.
Motorcycle insurance rates are affected by many factors such as: Your credit score, age, driving history, where you live and travel, how often you ride, the make and model of your motorcycle, and the after-market additions.
There is more to getting a motorcycle quote then just the numbers. When it comes to making the best decision for insurance protection it is important to meet with a Hargis Family Agency representative to ensure all your needs are met.