If you’ve ever been in an accident on your motorcycle, you know how important it is to have good insurance coverage. Motorcycle insurance can help pay for repairs to your bike, medical bills, and even provide income replacement if you’re unable to work after an accident.
Is Motorcycle Insurance Required in Brownsburg, IN?
Yes. Indiana law requires all motorcycle operators and passengers to have liability insurance. The minimum coverage is $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage. Grove Insurance Agency representative can help you find the right amount of coverage for your needs.
What Types of Coverage Are Available?
Various coverages are available for motorcycles, including liability, comprehensive, collision, uninsured/underinsured motorist, and medical payments.
Liability insurance pays for injuries or damage you cause to others if you are at fault in an accident. Comprehensive insurance covers damages to your bike that are not caused by a collision, such as theft, fire, or vandalism. Collision coverage pays for repairs to your bike if you hit another vehicle or object.
Uninsured/underinsured motorist coverage pays for injuries and damages if the other driver is at fault and does not have insurance or if their insurance does not cover all the costs. Last, medical payments coverage pays for medical expenses incurred by an accident, even if you are not at fault.
What Should I Consider When Purchasing Motorcycle Insurance?
First, what is the value of your bike? You will want to have collision and comprehensive coverage if it is worth a lot. Second, how much liability coverage do you need? $25,000 may not be enough if you have a severe accident. Motorcycle insurance is a must if you want to be protected in the event of an accident.
It may seem daunting, but our team at Grove Insurance Agency is here to help you find the right coverage for your needs. Call us today!