The Pros Of Driving With Motorcycle Insurance This 2021

​You play an essential role on the road regardless if you're a driver or a passenger. Most states require some form of "financial responsibility," which means you can pay if you cause an accident and cause property damage or injuries. You can obtain these benefits by purchasing motorcycle insurance.

Cost and Coverage
Liability insurance pays for injuries and damage you cause to others. It will cover the injured person's medical bills up to your policy's limits and property damage such as car dents you cause. In case someone sues you because of an accident, liability insurance also pays for a legal defense.

Guest passenger liability pays for your passenger's medical expenses. In some states, this is required, while it's optional to others. It's wiser to have UM and UIM coverage. An uninsured motorist (UM) pays for your medical expenses if a driver who doesn't have insurance causes damage to you. Underinsured motorist (UIM) coverage is similar and pays when insufficient liability limits to cover your bills.

Regardless of who caused the accident, MedPay coverage pays for you and your passenger's medical expenses. Depending on your state and the type of insurance you have, MedPay could pay for:

• Ambulance and emergency medical expenses
• Hospital bills
• Professional nursing services
• Health insurance deductible and copays 
• Prescription

Personal Injury Protection (PIP) is similar to MedPay but covers more as it also covers lost wages if you can't work and replacement services for tasks you can't do. This coverage is mandatory in some states, optional in some, but not available in others.

Collision insurance pays to repair your motorcycle when damaged by a collision with another object, such as a car, tree, or building. But it doesn't cover the damage you cause to someone else's property. This responsibility is your liability insurance's work.

Extra Coverage
While having liability insurance and personal injury protection are already a great start, there are many other options if you want to opt for additional coverage. 

How to Buy Motorcycle Insurance
You can purchase insurance from the most well-known auto insurance companies as well as small and regional insurers. The goal here is to buy enough liability insurance to cover what you could lose in a lawsuit. 

At Family Auto Insurance Agency, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (313) 285-9042 or Click Here to request a free quote.