Motorcycle Insurance

Why Do I Need Motorcycle Insurance?

Motorcycle insurance is essential for protecting yourself, your bike, and others on the road. Here are a few reasons why you need it:

1. Legal Requirement – In most states, motorcycle insurance is mandatory by law, just like auto insurance.
2. Liability Protection – Covers medical expenses and damages if you cause an accident, protecting you from potentially high out-of-pocket costs.
3. Collision Coverage – Pays for repairs or replacement of your bike if it’s damaged in an accident, even if you’re at fault.
4. Comprehensive Coverage – Protects your bike from non-collision incidents like theft, vandalism, weather damage, or fire.
5. Personal Injury Protection – Provides coverage for medical bills and lost wages if you're injured while riding.
6. Peace of Mind – With proper coverage, you can enjoy the freedom of the open road knowing you're financially protected.

Why Do I Need ATV/UTV Insurance?

ATV insurance is important for protecting both you and your vehicle while riding off-road. Here’s why you need it:

1. Legal Requirement – In many states, ATV insurance is mandatory for certain types of riding, especially on public lands or trails.
2. Liability Coverage – Protects you if you cause an accident that injures someone or damages property, covering medical bills and repair costs.
3. Collision Coverage – Pays for repairs or replacement of your ATV if it’s damaged in a crash, regardless of fault.
4. Comprehensive Coverage – Covers non-collision events like theft, vandalism, or natural disasters (e.g., fire, flooding).
5. Medical Coverage – Helps cover medical expenses for injuries you sustain while riding your ATV.
6. Protection on Public Trails – If you ride your ATV on public lands or organized events, insurance may be required for access and protection.