To enjoy the liberty of zipping along the roads in your motorcycle, it is crucial to ensure you are covered financially in case of an accident. Your state law may require motorcyclists to have at least the minimum coverage and must be able to show proof of insurance to register the bike.
The minimum motorcycle coverage required by many states is liability insurance. This motorcycle insurance covers the cost of medical bills for other drivers, passengers, and pedestrians who were injured during an accident, as well as property damage if you are determined to be at-fault in an accident. While the state minimums include bodily harm liability per person involved in the accident, bodily harm liability per incident, and property damage liability per incident, Golden Way Insurance Services Inc. always advises selecting higher-than-minimum limits to ensure full coverage. While lower limits equate to a lower monthly payment now, it can result in a considerably higher deductible after an accident.
Optional Motorcycle Insurance Coverages
In addition to the state minimum required liability coverage, there are multiple optional coverages available to riders. These include:
Collision coverage helps repair or replace your bike as well as accessories and apparel if you are at-fault for an accident.
Comprehensive coverage protects you from debris, theft, vandalism, and other incidents that may occur on the open road.
Medical payments coverage helps pay for your medical bills if you are in an accident, regardless of who is at fault, up to a specified limit. This coverage is especially crucial for those who do not have health insurance.
If you want to learn more about motorcycle insurance, stop by Golden Way Insurance Services Inc. today! Our team of professionals is ready to help answer all your questions and find the policy that works best for your requirements and budget.
While our office is located in California, we serve all across the following states: California, Texas, Tennessee, Michigan, Florida, New Jersey, Arizona, Nevada, and Indiana.