As a motorcyclist, several things may come to mind when you jump on your bike – helmet, leathers, boots, gas, tires – but insurance coverage may not be among them. It should be. 

“Insurance is an absolute when it comes to motorcycles,” Producer Ben Galbreath told NextAdvisor. “I recommend the maximum medical payment amount and advise clients to at least match their auto insurance bodily injury and uninsured/underinsured motorist coverage.”

It’s required for motorcycle riders in most states to buy liability coverage, as that type of insurance compensates others for injuries and damages should you cause an accident. Outside of your state’s minimum requirements, motorcycle insurance coverage can be as broad or as small as you would like it. 

“The hurdles you might run into is each insurance company underwrites motorcycle coverage differently,” commented Ben. “They restrict certain coverages to a maximum they will make available, i.e. medical payment, liability coverage, or even possibly deductibles.”

Galbreath said riders should also consider coverage for people who ride with them, which is also known as guest passenger liability coverage. The coverage that comes into play is medical payments, and possibly bodily injury and or uninsured/underinsured motorist coverage, depending on your state and insurer. Some insurers automatically include guest passenger liability coverage in their policies, and some sell it as a separate add-on.

Read the full article here.

Questions about motorcycle insurance? Contact Wallace & Turner at (937) 324-8492 in Springfield, (937) 652-8492 in Urbana, or info@wtins.com.