Spring is around the corner and if you are a bike enthusiast, this is the best time to get your motorcycle ready. The most important step is to renew your motorcycle insurance if it has expired. Remember, this is not an option. It is a necessity, or you’ll be on the wrong side of the law.
There are several types of motorcycle insurance coverage, but while some are mandatory, others are optional. We’ll focus on the state-mandated coverage here. The mandatory types of coverage for your bike are:
- Personal injury protection
- Uninsured motorist coverage
- Property damage liability
- Bodily injury liability
Personal injury protection
This coverage pays your medical bills if you sustain injuries from a motorcycle crash. That’s if the crash is your fault or it’s a hit-and-run case. Remember, if you were knocked down by a motorist, the motorist is legally obligated to pay your medical bills.
Uninsured motorist coverage
In case you get knocked down by an uninsured motorist, this coverage will fix your motorcycle or replace it completely, depending on the condition of your bike after the accident.
Property damage liability
If you run into another road user, like a motorcyclist or a motorist, this coverage will repair the damaged property, but it must be established that the damage was your fault. Now, you’re probably wondering if this covers the treatment of the injured road users. No, this coverage does not include that, but there’s another type of coverage for that.
Bodily injury liability
This is the coverage for the bodily injury you caused any other motorcyclist, motorist, or pedestrian. You can’t be too careful. Everybody makes mistakes. You don’t want a second’s mistake wipe out your savings or plunge you into debt.
From the types of coverage outlined above, it is clear that purchasing mandatory motorcycle insurance policy will give you peace of mind. It is in your best interest. For more information on motorcycle insurance, contact Runnels Insurance in Brandon, FL.
