Motorcycle riding brings a unique sense of freedom and thrill, particularly to the residents of Kannapolis, NC. But if you are a novice, there are legal requirements you need to be aware of before hitting the road. One crucial requirement is motorcycle insurance, which varies significantly from your car insurance policy. The team at Pethel Insurance Group is ready to guide you on the mandatory insurance coverage for your newly acquired motorcycle.
Essential Coverage for First-Time Riders
At first glance, motorcycle and automobile insurance may seem similar, but the reality is quite different. Motorcycle insurance requires a standalone policy for legal compliance. While it may have similar categories like bodily and property liability for covering accidents, remember that the two policies function independently.
If your motorcycle is financed, the lender may likely require comprehensive and collision coverage on your policy. Comprehensive coverage pays for theft or damage that didn’t result from an accident, while collision coverage assists in repairing your bike if you collide with another vehicle or damage it while avoiding a potential accident. Depending on your policy, it might even replace your bike up to its limit, less the deductible.
Additional Coverage to Consider
Aside from the mandatory coverage, a savvy motorcycle rider may want to explore additional coverage for optimal protection. Medical payment coverage is wise, as it helps compensate for medical expenses if you and a passenger are injured in an accident. Furthermore, uninsured/underinsured coverage would cover damages to your motorcycle and medical bills if the at-fault driver does not have adequate insurance coverage.
Contact the Pethel Insurance Group, serving Kannapolis, NC, today to develop a tailored motorcycle insurance policy that fits your needs and guarantees your safe and legal rides.
