What Should Bike Riders Know About Motorcycle Insurance?

Motorbikes are among the most popular modes of transportation, especially among men. Like a car, it offers freedom of movement to anyone who owns one. Motorbike owners like you can go anywhere at your own time and pace. Unlike public transportation, there is no scheduled arrival or departure. You can set out on a journey anytime you want. 

But like cars, driving your motorbike on the road exposes you to unexpected risks that might hurt your funds. Hence, it would be best if you get financial protection for yourself and your motorbike. The best way to do that is by getting motorcycle insurance. It is the right insurance policy for motorbikers like you.
​
Here are some reasons why bike riders should know about motorcycle insurance:

State Requirement
Except for Florida, Washington, Montana, and New Hampshire, Washington, all states require a motorcycle owner like you to have active motorcycle insurance. Most state authorities will check if you have proof of motorcycle insurance to register your motorbike.

If you do not register your motorcycle, you will not get a license plate for your bike. Therefore, every time you hit the road with your bike, you are driving illegally. And if state enforcers caught you driving illegally, it might cost you a hefty fine.

Minimum Amount Of Coverage
There is no standard amount of coverage required for your motorcycle insurance. It varies from one state to another. You should check the regulations in your state. Each state set a minimum amount of physical property damage liability coverages on motorcycle insurance. But for your protection, you should get beyond the minimum requirements.

Many states follow the 25/50/10 formula in motorcycle insurance. It means that a motorbike owner should have at least. 

• $25,000 physical injury coverage per person.
• $50,000 physical injury coverage per accident.
• $10,000 for property damage coverage.

But if you live in Texas, the minimum coverage requirement goes up. Those from Texas will need:

• $30,000 physical injury coverage per person.
• $60,000 physical injury coverage per accident.
• $25,000 for property damage coverage.

Conclusion
If you are a motorbike owner, it is inevitable to get motorcycle insurance. It is more than to comply with state policies, but it is vital to drive your favorite bike on the road. How much motorcycle insurance coverage you will need for your motorcycle insurance depends on your residing state.

At Priority Insurance LLC, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (864) 297-9744 or Click Here to request a free quote.