What You Don’t Know About Motorcycle Insurance

Most people know that you need insurance when driving a motor vehicle. But do you know the specifics surrounding motorcycle insurance and what you should know as a motorcycle rider? For motorcycle riders in the Urbandale, IA area, BLC Insurance can answer any questions you have about motorcycle insurance.

Here are a few things you don’t know about motorcycle insurance:

1. If You Are in An Accident, You’ll Need Proof Financial Responsibility

If you are a motorcycle rider and are in an accident in Iowa, you’ll need to show proof of financial responsibility. Unless you are able to pay for all damages involved in the accident, that means showing proof of motorcycle insurance. Let’s look at the minimum requirement for proving financial responsibility…

2. There A Minimum Damage Liability Requirements for Bodily Injury

Depending on whether it’s just you riding or you have a passenger, there are minimum coverage amounts for liability insurance. If it’s only you, then you need a minimum of $20,000 in bodily injury coverage. For you and a passenger, then you’ll need $40,000 in bodily injury coverage. 

3. A Minimum Amount of Property Damage Coverage Is Also Required

To cover property damage in case of an accident, you’ll need a minimum of $15,000 in coverage. 

4. Many Riders Purchase Insurance Above the Minimum Requirements

Although these are the minimum required amounts for motorcycle insurance, many riders choose to purchase insurance coverage for amounts above the minimums. Many also choose to get insurance for other situations as well, such as personal injury protection, collision, comprehensive physical damage, and uninsured motorist coverage. 

Those in the market for motorcycle insurance can contact BLC Insurance, serving the Urbandale, IA area. Call them at (515)243-4289 today!