If you own a motorcycle, you’ll need to purchase motorcycle insurance from an auto insurer. You must buy at least your state’s minimum motorcycle insurance requirements, although you may choose to buy more coverage, depending on your needs.
Types of Motorcycle Insurance
Georgia requires drivers and motorcyclists purchase bodily injury and property damage liability insurance to cover others they injure in an accident. The state has set minimum insurance requirements that bikers must follow.
Some of the other types of coverage that may be available for your motorcycle are listed below.
- Collision: Pays for damage to your bike when you’re in an accident with another vehicle, regardless of fault.
- Comprehensive: This pays for damages to your bike for things other than a wreck, such as theft, fire or vandalism.
- Medical payments: This coverage kicks in regardless of who was at fault. It pays the medical bills for you and your passengers when you’re in an accident.
- Uninsured/Underinsured coverage: Pays for your injuries when an uninsured driver hits you, or if you’re hurt in a hit and run accident. It also makes up the difference if another driver's insurance is not sufficient to cover your damages.
- Accessories coverage: Riders who have comprehensive or collision can also elect accessories coverage which pays for damages to your motorcycle accessories such as saddlebags, seats, chrome pieces, your helmet, and CB radios.
Speak to your insurance agent about what types of coverage may be suitable for you.
Peachtree City Motorcycle Blog
For more topics of interest to motorcyclists in Peachtree City, check out our motorcycle blog. If you’re in need of legal counsel for an accident or a personal injury, contact the Law Office of Jason Schultz, P.C. anytime at 404-474-0804 to schedule a free consultation.