Motorcycle Insurance
If you are a motorcycle owner and need insurance, Indemnus Insurance Agency can help. Without insurance, you place yourself, others, and your financial situation at significant risk. Should damages occur, the absence of an insurance policy mean you would have to pay out-of-pocket. A range of policies similar to general auto insurance is available for motorcycle owners. Read on for more details:
Legal Requirements
It is illegal for a motorcyclist to be uninsured. The coverage you select must fulfill state requirements.
The requirements include:
- $20,000 for bodily injury per person involved in an accident
- $40,000 total for all total bodily injuries per accident
- $15,000 for property damage per accident
Motorcycle Coverage Options
You have the choice of several coverage options for your motorcycle, including:
- Personal injury protection - Covers costs of injuries for you and your passengers as well as lost wages from an accident
- Uninsured/underinsured protection - Covers you if the other person involved in an accident has no insurance or insufficient insurance
- Collision coverage - Covers repair costs if you're involved in an accident and is also known as full coverage
- Comprehensive coverage - Covers repair costs from damage resulting from weather, theft, or vandalism
In addition to maintaining insurance, be aware of other related laws to keep you protected, such as:
- Helmet use
- License - A Class M license is required to drive a motorcycle
- Lane splitting - Not allowed, making lane sharing forbidden
- Passengers - Ensure no child younger than five years old is riding with you
Getting a Motorcycle Insurance Quote
Contact Indemnus to learn more about obtaining a quote and to find out more about the coverage options we offer. We proudly serve all residents.