To register a motorcycle, moped, scooter, or dirt bike in the state of Connecticut, you must have adequate liability coverage. This will protect both you and other drivers if there’s a collision. If you need motorcycle insurance in the Willimantic, CT, area, you can rely on the experienced team at K.L. Smith Agency to find you the best rates on both liability coverage and any additional policies you want to purchase.

Guide to Motorcycle Insurance

Minimum Coverage Requirements in Connecticut

In the state of Connecticut, you must have at least $20,000 in coverage for bodily injury per person per accident; at least $40,000 for total bodily injury per accident; and at least $10,000 for property damage per accident. It’s important to remember that these are only the minimum insurance requirements, however, and in catastrophic collisions, the damages can be significantly higher. Thus, we strongly suggest purchasing additional liability insurance.

Optional Kinds of Insurance

Although motorists are required to have a certain amount of liability coverage by law, not everyone does. If you are in a collision with an uninsured or underinsured motorist and you sustain severe injuries, it could affect your financial security. This is why you should consider purchasing uninsured/underinsured motorist coverage at double your bodily injury limit, which will protect you for injuries in the event of a collision with an uninsured/underinsured motorist.

Other motorcycle insurance worth considering includes collision coverage, which covers damages sustained in accidents with another vehicle; comprehensive coverage, which covers vandalism, theft, and falling objects; and medical payments coverage, which will help with medical bills, regardless of fault.

Riding a motorcycle can be incredibly exhilarating, but all it takes is one accident to jeopardize your financial security. If you need motorcycle insurance or you want to purchase additional coverage, turn to K.L. Smith Agency in Willimantic, CT. Visit the website to learn more about the products they provide, including property insurance and business insurance, and call (860) 423-9294 to discuss your coverage needs today.