Motorcycle insurance is required in almost all 50 states, although the type of coverage required varies. At Bingham Insurance Group in Braselton, GA, we offer the motorcycle insurance options you need.
Legal Requirements for Motorcycle Insurance
Georgia requires all owners or operators of a motorcycle to carry liability insurance. Liability insurance will cover property damage and injuries to others if you are found at fault in an accident.
Georgia requirements include $50,000 total bodily injury or death per person per accident and $25,000 property damage coverage per accident. You may choose higher coverage limits if you wish.
Full Coverage Motorcycle Insurance
Full coverage motorcycle insurance isn’t required by law. However, it may be required by your lender if you have a lien on your motorcycle. Full coverage insurance consists of collision and comprehensive coverage.
Collision insurance will pay to replace or repair your motorcycle if you are in an accident, even if you are at fault. This is particularly important if your bike is valuable or you can’t pay to replace it if it’s damaged.
Comprehensive coverage covers damage that doesn’t occur when driving your motorcycle. This includes covers vandalism and theft. This is important since motorcycles are smaller and more accessible to steal than passenger vehicles. This can also cover any accessories that are on your bike.
Additionally, comprehensive coverage covers accidental damage when your bike isn’t in motion. For example, comprehensive coverage will pay for the repairs if a tree limb falls onto your motorcycle.
Are Passengers Covered?
This depends on your policy. Some policies will cover passengers, while others may only cover you as the operator. You should speak to your insurance provider to be sure.
Motorcycle Insurance at Bingham Insurance Group
If you need motorcycle insurance in Braselton, GA, contact us at Bingham Insurance Group. We offer the motorcycle insurance options you need to keep you and your investment protected.