Motorcycle Insurance Articles
Understanding The Ins And Outs Of Motorcycle Insurance Law In Your State
2010-03-24
If you're looking for a motorcycle insurance quote that provides coverage options that spell out your motorcycle insurance premium and motorcycle insurance deductible, simply read on and find out all the information you need to make your next move. State laws are often strict and knowing them will put you ahead in the insurance game.
The quote we provide takes into account your state's laws, as well as our policies regarding multiple vehicle insurance coverage and discounts, and any available uninsured motorist (UIM) and underinsured motorist (UM) and personal injury policies (PIP). In some states, motorcycle insurance isn't required by law, but who says you're going to limit your cruising to one state? Surrounding states very likely do have coverage requirements that apply in case of an accident. And, face it; whether you ride a dirt bike, a mo-ped, a rocket, or a Harley Davidson™ Fat Boy™, you are exposed. According to the Federal Highway Administration, in 2007, 7.1 million motorcycles shared U.S. roads with 137.8 million passenger cars. In a collision, cars always win and too often drivers are oblivious to the cycle next to them. A stone on the road can send you sideways. Bottom line, you have to protect yourself with adequate insurance. We can help you determine how to do that for an affordable rate. If you are considering the purchase of a motorcycle or thinking about insuring in another state, check out the following information about insurance laws across the country.
Insurance laws vary widely from state to state - perhaps even more than auto insurance. Alaska, for example, requires drivers of vehicles and motorcycles to carry $50,000 for injury to one person, $100,000 for all persons injured, and $25,000 for damage to property in one accident. According to Iowa state statistics, it has the most motorcycle riders of all of the US states, yet Iowa state liability requirements are $20,000 for injury to one person, $40,000 for injury to all persons, and $15,000 to property damage in one accident. That's a far cry from Alaska's. Liability coverage for injury and property damage in most states are about the same for automobiles and motorcycles. Probably more significant than liability coverage is your opportunity to purchase UIM, UM, and PIP policies. Many states are required to offer motorcycle owners these self-protection policies in amounts matching the minimum liability policy requirements. Do extensive research on your particular state's requirements and minimums.
Understanding the ins and outs of your state's motorcycle insurance requirements will get you ahead of the game when searching for insurance quotes. Online research can greatly improve your overall comprehension of your state's minimum coverage needed, which will save you time and money later on.