Motorcycle insurance is required in Cullman, AL, so it’s important to get familiar with what it is in order to stay protected the road. The state’s minimum liability requirement is $50,000 for injury liability and $25,000 for property damage. You may want to consider getting extra liability beyond the minimum to protect your assets, in cause you are sued after an accident. If your liability doesn’t cover the claims and legal costs, creditors could go after your assets.
There are different motorcycle coverage options for you as well. An agent at Insurance Solutions Inc. can help you find what works for you. Since liability only protects injuries and damages to others, you want to find enough coverage in order for you to stay protected. Motorcycle insurance is similar to what you will find for auto insurance. Collision coverage will pay for damages to the motorcycle minus your deductible. Comprehensive coverage will pay if your motorcycle is damaged by an event that is not an accident, or if it is stolen. Animal collisions will typically fall under this policy. Medical payments coverage can be used to pay for medical bills if you are injured. Since motorcycles come with their risk this can be useful to have, no matter how good of a driver you are. Trip interruption coverage will pay for transportation and lodging if your bike is disabled due to an accident far from home. Coverage for equipment accessories and custom parts can also be added if you enjoy customizing your motorcycle. Roadside assistance is a policy that includes towing and labor if your bike breaks down.
Many insurance companies also offer to lay up insurance during the time when your bike is put away. Insurance will cover you against theft or events that can damage your bike in storage but won’t cover you in an accident.
Contact Insurance Solutions Inc. serving Cullman, AL, to get a quote on motorcycle insurance.