Motorcycle Insurance Coverage: What You Need to Know

As stated by the National Highway Traffic Safety Administration, Florida has seen the most number of motorcycle accidents in the US. In the wake of such alarming statistics, there are plenty of things you need to careful about. These include speeding within limits, controlled consumption of alcohol, and of course, getting your motorcycle insured.

When it comes to insurance, we mostly get coverage for our life, car, and house. While motorcycle insurance is greatly overlooked, it’s just as important!

Here’s a brief guide about motorcycle insurances and why you need them:

What options does a standard motorcycle insurance offer?

Property Damage coverage: This helps you pay for the losses if your motorcycle gets damaged either because of an accident or a natural disaster.

Bodily Injury Liability:  If you’re at a fault and injure someone during an accident, you’ll be required to pay them for the medical expenses. This coverage assists you in doing so. It includes both hospital bills and lost wages.

Uninsured Automobile Coverage: This helps when someone else collides withyou and they don’t have their motorcycle insured.It even covers your “pain and suffering”—a legal term used for the stress caused by the accident i.e. aches, depression, scars, or any lifelong disability.

Comprehensive insurance: This applies to all cases which don’t necessarily involve an accident. Examples are theft, vandalism, fire, or a collision with an animal.

Why do you need motorcycle insurance?

1.      Florida is on the list of the US states that re most prone to disasters.  These include hurricanes, storms, tornadoes, and wildfires. In such circumstances, owning an uninsured motorcycle is not an option. Pedestrians and bikers are usually the firstto be affected by storms and rains.

2.      According to Florida’s Financial Responsibility Law, you may have to pay a certain penalty if you have no proof of motorcycle insurance. This can include some fees, suspension of license, or motorcycle license plate.

Being a motorcycle enthusiast, the last thing you’d want is to see your ridebeing totaled. If you’re in Florida, Manatee Insurancecan help you secure your motorcycle against all kindsof damages. We provide insurance services to motorcycle owners in Bradenton, Palmetto, Anna Maria Island, Myakka City, Sarasota and Manatee Counties. You can either request a quote online or by calling at (941)7477283.


Join the Discussion