For many people, there is no experience more exhilarating than hitting the open road on a motorcycle. Unfortunately, this thrill comes with great risk. Without a vehicle to shield them in a collision, riders are more vulnerable to serious injuries and property damage than other types of motorists. Therefore, it’s crucial to make sure you have adequate motorcycle insurance if you ride. However, finding the right coverage can be a challenge, which is why the residents of Kalispell, MT, turn to Grachek Insurance. For more than three decades, they have been helping clients make educated decisions about coverage. Below, they address some of the most frequently asked questions about motorcycle insurance.

Common Questions Regarding Motorcycle Insurance

Am I Required by Law to Carry Motorcycle Insurance?

In Montana, motorcycle riders are not required by law to carry insurance. Despite this, it is strongly recommended that you protect yourself with sufficient coverage. Should you become involved in an accident, there’s a good chance you will face considerable financial hardship. If you are found to be at fault, you may have to pay for the damages caused to anyone else in the crash. 

Will My Policy Cover Passengers? 

Whether or not anyone who is riding with you at the time of an accident is covered will depend on the insurance provider and policy you select. Coverage for motorcycle passengers typically varies from one insurer to the next. If you know it’s likely you will be taking others out for a ride, it’s best to clarify with your insurance agent if your liability limits include coverage for passenger injuries.                                                                              

How Much Coverage Is Necessary? 

The amount of motorcycle insurance you should invest in will be based on a range of factors. Take into consideration the value of your bike, if you have any custom parts requiring additional coverage, where you live, and how often you ride. You may also take into account the state’s minimum liability requirements for drivers of passenger vehicles. This can provide a good basis for you to determine how much coverage you might need. 

Are There Discounts Available?                           

A number of insurance companies offer discounts to clients who meet certain criteria. You may be rewarded with a lower premium rate if you take a rider safety course, maintain a driving record free of violations, install an anti-theft alarm system, and bundle more than one policy under the same provider. Your agent can tell you exactly what savings you qualify for. 

The more you know about motorcycle insurance, the better equipped you will be to select a policy that fits your needs. An insurance agent from Grachek Insurance will be able to help you explore all your options and ensure you don’t end up with any gaps in coverage. Contact them at (406) 755-4000 to request a quote, or visit their website to learn more about their services in Flathead Valley and the surrounding areas.