Is Motorcycle Insurance a Necessity?

Just like your car, insuring your motorcycle is equally important because your bike faces the same risks as your car. Talk of accidents, theft, fire, vandalism, and natural disasters; the danger is never far from your motorcycle. Speaking of motorcycle insurance, it’s even more critical for your bike since the risk of riding is more than driving. So, if you have been asking whether motorcycle insurance is necessary, listen to what Maple Mountain Insurance Services of Mapleton, UT has to say.

Liability coverage

Riding is pleasurable, but this may not be the case if you are deemed liable for an accident. When you cause an accident, you may face bodily injury and property damage costs that are costly when you don’t have motorcycle insurance. While there are state-required liability coverage minimums, most riders opt for higher limits to get optimal protection.

It’s required

Like auto insurance, Utah requires riders to carry motorcycle insurance whenever riding on public roads. If you are caught riding without motorcycle insurance, you may face fines and penalties, including license suspension.

Protects your bike

Whether you have parked or riding your bike, there is always a danger. From accidents, fire, theft, vandalism to falling objects, risks always lurk around your bike. For this reason, you need motorcycle insurance to replace or repair your bike when danger strikes. 

Medical payments

When you are involved in a motorcycle accident, the chances of incurring severe injuries are high. Without a health insurance plan, you could face costly medical bills. The good news is that including PIP or MedPay coverage on your insurance covers medical costs and partial loss of income.

Buy motorcycle insurance today!

By now, you understand why it’s important to have a motorcycle insurance policy. If you are in Mapleton, UT and its environs, please get in touch with Maple Mountain Insurance Services for an affordable quote.