Motorcycle Insurance Work

How Does Motorcycle Insurance Work In Michigan?

You’ve just bought your first motorcycle, and you can’t wait to hit the road. Before taking off on that motorcycle road trip, however, don’t forget to insure your investment. With motorcycle insurance, you have protection against any eventuality on the road. How does motorcycle insurance work in Michigan?

Minimum Motorcycle Insurance Requirements for Michigan

Because motorcycle accidents often get expensive fast, the state of Michigan requires that riders have minimum insurance coverage to protect both themselves and others on the road. Before registering your bike, you must show proof of insurance coverage.

In Michigan, riders must have minimum liability coverage in the following amounts, to protect others in the event you’re found at fault of an accident:

  • $10,000 property damage to others per accident
  • $20,000 personal injuries (or death) to one individual per accident
  • $40,000 personal injuries (or deaths) to more than one individual per accident

Depending on how you plan to use your motorcycle, you may want to raise the limits on this liability coverage, to protect you from serious accidents. If you cause an accident where injuries exceed your insurance limits, the other party could sue you for the remainder of medical costs. By obtaining insurance coverage with higher liability limits, you can protect your assets.

Motorcycle Insurance Work

Additional Insurance Coverage

In addition to minimum liability coverage, consider insurance protection for your motorcycle. If your bike is damaged in a crash, collision insurance helps pay for its repair, so you don’t bear the brunt of these expenses out of pocket.

Comprehensive coverage pays for damages caused by inclement weather, or if you hit an animal on the road. If you get caught in a storm and your bike sustains hail or wind damage, comprehensive insurance helps foot the bills for its repair. It also protects you against motorcycle theft on the road.

Whether you ride in the city or on the open road, it’s good to wear protective clothing to minimize the risk of personal injuries in an accident. In fact, Michigan requires riders to wear helmets for protection against head injuries when riding their bike.

Penalties for Lack of Insurance Coverage

If you’re in an accident, or get pulled over for a traffic citation, the officer asks you for proof of insurance coverage. Lack of coverage often results in paying a fine. You also risk having your license suspended and/or losing your registration. Reinstating your bike costs more fines, on top of having to obtain mandatory insurance coverage. In short, it just doesn’t pay to ride your bike without proper insurance.

Motorcycle riding comes with benefits and risks. Insurance coverage protects you against the risks, so you can enjoy riding to the fullest. If you become involved in an accident and need legal assistance to recuperate your losses, contact a Michigan motorcycle crash lawyer for a free consult.