Bikes are a great way to get around, but they do come with risks. The insurance coverage for motorcycles is very similar to the type of insurance issued to auto owners. If you are a motorcyclist and have a bike in Michigan that doesn't yet have motorcycle insurance, call us at Mitten Heritage Fraternal Society of Insurance in Berrville, MI.
Liability coverage is mandated by law for motorcycles. Two main types of liability coverage should be in every motorcycle policy. These include bodily injury and property damage. Bodily injury liability pays for others who become injured in an accident that was your fault. This coverage pays their medical bills and certain other expenses. Property damage liability pays for the damage that your motorcycle does to other vehicles, trees, buildings, etc. Having liability insurance means that these bills get paid by the policy instead of coming up with the money yourself. Both of these coverage types are important to have for your financial future.
The damage you do to other people, or their property is covered when you have liability coverage, but what about your bike? Liability coverage doesn't pay for that. What you need is collision insurance. Even if you are at fault for the accident, this coverage will pay for fixing or replacing your bike. Comprehensive coverage is also helpful to have. This covers your vehicle against risks to it when it isn't being driven. These two types of coverage are often recommended so that motorcyclists have all the coverage they need.
If you're in Michigan and you need motorcycle insurance, call us now at Mitten Heritage Fraternal Society of Insurance in Berrville, MI to find out more about it.
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