The weather is warming up in NWA, we are ready to shake off those winter layers and get out in the open air and sunshine! For many of us, that means enjoying the Pig Trail or a ride to Eureka Springs. Now is the perfect time to check up on your motorcycle insurance coverage to give you peace of mind.
Motorcycle insurance is not only essential, but is an affordable way to protect you in the event of an accident. Any basic policy will include liability insurance in case you cause an accident. This includes bodily injury to passengers on your bike or if you injure another person, but it also includes certain limits to cover someone else’s vehicle or property. Each state has set their own limits for this coverage. In Arkansas, the state minimum is 25/50/25 but you can opt for more protection if you would like! These liability limits mean your insurance company will cover up to $25,000 per person for injuries but will cap out at $50,000 total for the accident. It will also cover up to $25,000 in property damage to others. Since, medical bills and vehicle damage can add up quickly in an accident, many insurance agents will recommend raising these limits to protect you and your assets.
It is important to note that having basic liability coverage does not cover your vehicle or you in an accident. Just as if you were purchasing auto insurance, it is important to consider Uninsured/Underinsured Motorist protection, Comprehensive or Collision Insurance, and Personal Injury Protection.
Uninsured/Underinsured Motorist protection helps protect you in the event that you are in an accident with someone without insurance, or without enough insurance. If the other driver is “at-fault”, this protection kicks in to help with any medical expenses. It also will help repair or replace your vehicle.
As with auto insurance, Comprehensive and Collision coverage will help repair or replace your vehicle if it is damaged in an accident or stolen. Most carriers offer a variety of Personal Injury Protection (PIP) to help cover medical expenses, even if you caused the accident.
Interested in having a “second look” on your current motorcycle policy? Or thinking about purchasing a motorcycle and you want to look into coverage? Call us, text us, or email us! We are happy to help you navigate your policy!