Frequently Asked Questions When Getting Motorcycle Insurance

​Getting motorcycle insurance is important because it secures and protects you while on the road. It can also cover medical replacement costs and repairs for anyone injured during an accident. Furthermore, it can even help cover the expenses for fixing any damaged property brought about by accident. You can accomplish all of this without spending money out of pocket for repairs when you have motorcycle coverage.

So to help you in getting motorcycle insurance, here are some of the things you should know:

Is Motorcycle Insurance Needed?
Most states in the U.S., except for Florida, require motorcycle riders to get a policy. It secures the riders from costs that can be financially challenging. 

Costs from motorcycle crashes can go up to billions of dollars yearly brought by damages to property, legal expenses, medical expenses, and lost wages.

How To Classify Motorcycles?
Insurance for sport motorcycles is subject to more expensive rates because they are more high-performing and prone to accidents because of their driving speed. So when thinking about buying a motorcycle, it’s best to compare quotes for some models to get the most affordable insurance. 

What Are Mandatory Insurance Coverages?
There are some types of mandatory coverages when purchasing your first motorcycle insurance. It may vary depending on the location or the following:

• Uninsured vehicles - this can cover any loss resulting from a collision with another driver with no insurance and even for hit-and-run drivers who escaped. 
• Accidental Benefits - this can cover expenses for medical, funeral, and death.
• Direct compensation - ensures that you get compensation directly and quickly from your provider instead of going through the other driver’s insurance company.
• Third-party liability - this protects you from possible financial penalties in the event you or anyone driving your vehicle caused an accident that led to injury, death, or damage to another person involved.

How Much Insurance Is Needed?
The amount of insurance and coverage you may need will always depend on one’s situation. Nonetheless, there is always a policy suited for everyone. 

So, contact your broker or insurance agent to discuss your motorcycle insurance today!

At Priority Insurance LLC​, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (864) 297-9744. Get your free quote today by CLICKING HERE. Coverage discussed in this article is not guaranteed. Please contact one of our agents to discuss your coverage and make sure your needs are covered. We are happy to help!