As the weather starts to get warmer and the skies start to clear, motorcycles become a far more common form of transportation. While it may feel amazing to hit the road on a sunny day, it is important to ensure that you and your motorcycle are properly insured first. Suitable insurance coverage can help protect you, your passengers, and other motorists from the risks associated with motorcycle operation. As providers of complete motorcycle insurance solutions, the team at Mountainview Insurance has compiled a list of things to know about motorcycle insurance. This information will help you understand the importance of insurance and how to choose the best plan for your needs.
Motorcycle Insurance – What You Should Know
Motorcycle insurance provides you with financial protection in the event of an accident, theft, or damage caused to your motorcycle that did not occur during operation. Before purchasing a motorcycle insurance plan, it is important to understand the following:
Motorcycle Insurance is Required by Law
Though this may seem obvious to some, many individuals believe that motorcycle insurance is optional. Motorcycles do not have seatbelts, making them a high-risk mode of transportation. They can be dangerous to the rider and those around them as even a low-speed impact can cause significant injuries. This level of risk means that motorcycle insurance is mandatory by law for operation on the road.
Minimum Liability Coverage is Often not Enough
Liability coverage helps to cover the cost of damages inflicted to another person during an accident caused by your motorcycle. In most cases, the minimum coverage amount is not enough to fully cover all damages. This is especially true for situations where another person is severely injured and misses significant time from work. It is a good practice to choose more liability coverage than you think you will need. This ensures that you have enough coverage in the event of an accident to prevent paying out of pocket for additional expenses.
Plans can be Tailored to Your Specific Needs
Every motorcyclist has different insurance needs, preferences, and budgets. Though there are many pre-set motorcycle insurance packages, most aspects of the plan can be adjusted based on your unique requirements. Comprehensive, collision, injury liability, medical payments, and uninsured/underinsured motorist protection can all be adjusted to suit your needs and budget. The team at Mountainview Insurance can work with you to build a motorcycle insurance package that adequately covers your needs and aligns with your budget.
To learn more about motorcycle insurance packages and plans, reach out to the team at Mountainview Insurance today. Their experts can be reached through their online contact form and will be happy to assist you with your insurance inquiries and requests.