Before you can start riding a motorcycle, you must purchase insurance to cover the vehicle, yourself, and other drivers and meet the state’s requirements. You should be aware your current auto insurance policy won’t cover the bike. In fact, the two types differ in a few important ways. 

Auto Insurance

All vehicle insurance policies must meet the minimum requirements set by the state of Ohio. The liability bodily injury component always covers other passengers in the car, since it’s possible they don’t have health insurance. If you’re in an accident, this will pay for their medical expenses. There is protection for you as well, but you may waive this if you already have a separate health insurance policy. 

Motorcycle Insurance

When you purchase motorcycle insurance, you have the option of waiving liability coverage for passengers. If you have no plans to let anyone else ride the bike with you, this may be a good way to reduce your monthly premiums.

Bodily injury coverage pays for medical expenses sustained by other people in an accident. It does not cover your bills at all. Therefore, you need to purchase separate medical or hospitalization coverage. Since motorcyclists are statistically more likely to get into an accident than car drivers, this coverage is extremely important.

You may be able to purchase modified coverage for your motorcycle, which isn’t usually possibly with car insurance. For example, if you only ride your bike during the milder seasons, you could buy seasonal coverage. Of course, you still need to make sure your bike is covered for theft and vandalism, even if you’re not riding it.

If you’re looking for motorcycle or auto insurance, the experienced team at Somers Agency will help you find a policy that keeps you protected. This business in Lorain County, OH, is independently owned, and their staff prides themselves on offering personalized coverage specifically tailored to your needs. Get a quote online, or call (440) 324-3447 to speak with one of their agents.