The Basics of Motorcycle Insurance 

Owning a motorcycle comes with significant responsibilities, especially regarding insurance. At Hall-Green Agency, we understand how crucial it is for riders to cover themselves, their bikes and others on the road.

Whether you’re a seasoned motorcyclist or just starting out, understanding the basics of motorcycle insurance can help you make informed decisions about your coverage.

Understanding Motorcycle Insurance Coverage

Motorcycle insurance typically includes several key types of coverage:

• Liability coverage. Required by state law, liability insurance helps pay for injuries or property damage you may cause to others in an accident. This is the foundation of any motorcycle policy and helps you meet state minimum requirements.
• Collision coverage. This option helps cover repairing or replacing your motorcycle if it’s damaged in a collision, regardless of who is at fault.
• Comprehensive coverage. Comprehensive insurance covers your bike from non-collision incidents such as theft, vandalism, fire or weather-related damage.
• Uninsured or underinsured motorist coverage. If you’re involved in an accident with a driver who doesn’t have enough insurance, this coverage can help pay for your injuries or damage to the bike.

Motorcycle Insurance Requirements

State law requires all motorcycle owners to carry a minimum liability insurance. While these minimums provide basic coverage, many riders choose higher limits or additional coverage for greater peace of mind. It’s also important to remember that lenders may require comprehensive and collision coverage if you’re financing your motorcycle.

How Our Team Can Help

Choosing the right motorcycle insurance policy can be overwhelming, but our team at Hall-Green Agency is here to help.

We take the time to understand your riding habits, bike type, and budget before recommending coverage that fits your needs.

Contact us today; we’re here to help you ride with financial confidence.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.