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Unlike car insurance, motorcycle insurance has the specific coverage you need if you’re going to break out your bike this spring. K.L. Smith Agency LLC has provided quality products to its Willimantic, Connecticut, clientele since 1953. Below, the qualified agents outline the right motorcycle insurance to have.

The Right Motorcycle Insurance for Your Needs

Coverage You Must Have

motorcycle insuranceSimilar to car insurance, most states require a minimum of liability insurance that each motorcycle rider must have. The state of Connecticut requires a rider to maintain a 25-50-25 minimum of liability insurance. This provides $25,000 for bodily injury for one passenger, $50,000 for two passengers, and $25,000 for damages to the other driver’s automobile. While these are the minimum limits, always speak with your insurance agent about suggested coverage, as the minimums don’t cover all damages. Not having enough insurance places you at risk for liability and lawsuit damages. 

Optional Coverage

While many motorcycle riders simply want to maintain the state minimums, there is additional coverage to opt-in for. Collision insurance covers your motorcycle for damages in the case of an accident while comprehensive coverage includes vandalism, theft, fires, or floods. Accessories coverage protects you from damages or theft of your motorcycle’s accessories. Additionally, many riders opt for first-party medical coverage, which pays for your medical expenses if the other party doesn’t have insurance to cover it. 

If you’re concerned whether or not you’re adequately insured, speak with a professional agent. Whether it’s car, renter’s, or motorcycle insurance you’re looking for, the professional team at K.L. Smith Agency LLC pride themselves on having the best products on the market at the lowest rates. Call them at (860) 423-9294, or visit the website for more information. 

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