If you think two wheels are better than four, the motorcycle life is probably for you. Minnesota boasts some of the most picturesque scenery in all of the country, and there are few better ways to experience it than on the back of your motorcycle. Of course, riding comes with its risks. By investing in the right motorcycle insurance, you can enjoy the ride and leave all the paperwork to us.
Legally, all riders must be covered by motorcycle insurance. By law, coverage must include a minimum amount of bodily injury and personal property liability insurance, although these amounts are often not enough to cover the total cost of claims after an accident. For example, imagine riding with a group of friends on a sunny afternoon. You switch lanes and accidentally clip another rider’s custom bike, sending it skidding off the road. Your friend is not badly hurt, but the damaged one-of-a-kind bike will cost $15,000 to repair. If you carry only the state minimum of $10,000 in property damage coverage, you could find yourself on the hook for the other five grand.
Twin Cities Motorcycle Insurance
Like auto insurance, motorcycle insurance can include protection for yourself, your property, other people, and other people’s property.
The most important coverage, liability insurance pays for the medical bills, lost wages, and property repairs of other people when an accident is your fault. It can also pay for legal defense and court fees if you are sued after a collision.
No motorcycle rider wants to be involved in an accident, but it helps to know you are covered if the unexpected occurs. Collisions can cause expensive and sometimes irreparable damages to your motorcycle. Collision coverage can pay to restore your bike to like-new condition after an accident.
If a tree falls on your bike or your motorcycle is stolen at a roadside rest stop, comprehensive insurance can come to the rescue. Comprehensive protection is insurance for non-collision-related losses, such as weather-related damages or vandalism.
Uninsured Motorist Protection
Not everyone is as responsible as you are. If you are the victim of a hit-and-run, your uninsured motorist coverage can help pay for your own injuries and damages. Likewise, underinsured motorist protection can pick up the slack when another driver’s bare-bones policy is not enough to cover your expenses. If another driver sends you to the hospital and your bike to the shop, you can focus on getting well and repairing your ride without the headache of added bills.
Custom Parts and Equipment Coverage
If you have custom equipment on your bike, you will want custom equipment protection that covers your after-market parts and accessories according to their replacement value. Custom equipment insurance covers anything installed on your bike that was not installed by the original manufacturer. Comprehensive coverage may provide some custom equipment protection, but additional coverage may be necessary if the value of your after-market accessories is especially high.
Our team can also help you find discounts that could lower the cost of coverage. Do you have several bikes to insure? How about a home or boat? If so, you could qualify for a discount if you bundle several types of coverage together with one insurance company. Other discounts may apply if you have taken a rider safety course or if you only ride your motorcycle on the weekends as opposed to your daily commute.
For more information about motorcycle insurance in Minnesota or to request you free quote, contact our office today.