Motorcycle Insurance in Jacksonville, FL
Just like automobiles, most states require motorcycle owners to carry liability insurance, at the very least. Liability insurance pays for the other party’s bodily injury and property damage (up to the limit purchased) should you be found at fault in an accident. Liability will also help provide legal protection if you are sued.
However, unlike automobile insurance, some states require passenger liability insurance to cover anyone else riding on the motorcycle with you at the time of the accident.
In addition to liability insurance, motorcycle coverage options are typically the same as most automobile coverage. These include the following:
- Liability: This coverage pays for bodily injury and property damage to others if you are at fault for an accident. Each state has a minimum amount of liability that must be carried, but it’s smart to carry more than the minimum.
- Collision: This coverage pays for repairs to your vehicle (or payment if it is a total loss) if your vehicle is damaged in an accident. Collision is required if you have a lien on the vehicle. It also has a deductible that you will have to pay out of pocket. The higher the deductible, the lower your insurance premium.
- Comprehensive: This is another coverage required if you have a lien on your vehicle, and it, too, has a deductible. Comprehensive covers things like theft of the vehicle, storm damage, glass repair or replacement, and vandalism.
- Uninsured Motorist: If you are in an accident where the other party is at fault, but they don’t have insurance, uninsured motorist is designed to cover your physical damage or medical expenses.
- Underinsured Motorist: Depending on the state, this may be included within the uninsured motorist coverage. Underinsured motorist coverage is similar to uninsured motorist in that the other driver is at fault, but with underinsured motorist, the other party does have coverage, but not as much as you do. This coverage pays the difference between the amount of coverage the at-fault driver has and the amount you purchased.
Some motorcycle insurance coverage provides “lay up” insurance over the winter if you put your motorcycle away during the off season. This may help reduce your premium.
Depending on your insurance provider, you may qualify for discounts by maintaining a safe driving record, taking a motorcycle safety course, and/or having multiple policies with the same insurance provider (when available).
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