Nothing feels thrilling than hopping on your bike and letting it take you to where you want. However, it's prudent to check and enhance your safety every time you're heading out. Wearing protective clothing and carrying enough insurance should be your priority whether you're a veteran rider or just starting. At Maverick Insurance Group LLC, we recommend learning everything about motorcycle insurance to get the most out of your policy. If you're a first-time buyer, here is what you need to know.
Motorcycle insurance is designed to provide financial protection in the event of a motorcycle accident, theft, loss, or damage. It also includes liability coverage in case you're sued for injuries or property damage. The policy is almost similar to auto insurance, and it comes with extra coverages for additional protection.
Like auto insurance, motorcycle insurance covers medical costs in case you're injured by an uninsured motorist and pays for legal fees if you are sued for damages and injuries. The only required coverage in Ohio is a liability, but it's prudent to consider other coverages offered and determine which ones you will need based on your riding habits. The basic coverages include:
Your motorcycle insurance costs depend on multiple factors, and that's why we recommend assessing your needs before approaching your insurer. Your insurance provider will typically want to know your driving record, driving style, the type of motorbike you own, how often you will be riding your bike, your age, and where you live. They might also ask additional questions before coming up with premium rates and limits. Remember to shop around and compare quotes and coverages to get the most out of your policy.
Remember, all motorists in Ohio are required to carry the minimum liability to ride motorcycles on public roads. So, make sure you have adequate insurance before heading out. For all your motorcycle insurance needs, feel free to contact Maverick Insurance Group LLC.