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Most local motorcycle owners agree that getting out on the open road and enjoying the fresh Utah air is one of the best aspects of owning a motorcycle. However, it’s crucial to make sure you have the right level of insurance coverage before grabbing your helmet and planning a day out. This is where our dedicated and knowledgeable team at Maple Mountain Insurance Services in Mapleton, UT can help.
Utah State Minimum Liability Insurance
Just like auto insurance, there is a minimum liability coverage limit you must meet to be legal. In Utah, this amount is:
- $25,000 bodily injury coverage per person
- $65,000 bodily injury coverage per accident
- $15,000 property damage per accident
However, it is never a bad idea to carry a higher level of coverage. Our dedicated motorcycle insurance experts can help you determine the right policy amount for your needs and lifestyle.
Comprehensive and Collision Insurance
In addition to liability coverage, you also have the option to purchase comprehensive and collision insurance for your motorcycle.
Similar to car insurance, comprehensive coverage protects you from incidents involving weather, nature, theft, or fire. Collision coverage helps repair your motorcycle if your bike physically collides with another car or object.
While these coverages are not required to be legal, they are often needed if you have a lien holder on your motorcycle.
Other Available Coverage Options
Motorcycle owners who want to ensure they are adequately protected might also consider a few extra coverage options. These include:
- Medical payments coverage to cover any medical bills associated with being involved in an accident.
- Optional equipment coverage to take care of any customizations, bags, or accessories for your bike.
- Towing and roadside assistance coverage to help during a breakdown.
- …and more.
Of course, the best way to know whether you have the right insurance policy is to get in touch. Are you ready to review your motorcycle insurance coverage? Contact our Mapleton, UT team of experts at Maple Mountain Insurance Services today by calling our office.