There’s nothing quite like riding a motorcycle; the sense of freedom and the feeling of the wind against your skin is tantalizing. However, without the right motorcycle insurance policy, you and your bike could be in for expensive out-of-pocket repair costs. Not only is riding without insurance in Ohio a bad idea, but it’s also illegal. Here’s what you need to know about getting motorcycle coverage in Ohio.

Understand the Minimum Requirements

Ohio, like most states, has minimum insurance requirements that all policies must meet to satisfy the legal requirements. In the state of Ohio, you’re required to have a minimum of $25,000 bodily injury coverage for accidents involving one person, $50,000 bodily injury coverage for accidents involving more than one person, and $25,000 property damage coverage. This minimum coverage only protects the other drivers involved in an accident that you’re responsible for, and only up to the limits purchased.

Comprehensive Coverage Will Protect You Completely

If you’re looking to protect yourself, your passengers, and your bike, you’ll need additional coverage beyond the state’s minimum requirements. Purchasing higher liability limits provides more coverage in case you are responsible for a serious accident. Medical payments coverage provides money to pay medical bills in case you are injured as the result of a motorcycle accident. Collision coverage will protect you and your bike from damage if you’re involved in an accident, even if you’re responsible for the collision. Comprehensive coverage will help cover the costs of repairs or replacement if your bike is damaged or stolen while it’s parked. The coverage limits you select are largely up to you, but your insurance agent will recommend the best option for your needs.

Motorcycle Insurance Is Legally Required

As stated before, you must have a motorcycle policy in place before you can take your bike out on the road. If you’re caught riding without insurance, you may be subject to fines, penalties on your license, and even court dates. Before you take your bike out for the first ride of the summer, make sure you have a valid insurance policy in place.

If you need to update your motorcycle insurance or want to add to your existing auto insurance coverage, contact the team at Simmons Insurance Group of Southeastern Ohio. Their experienced agents will get to know you and your needs to help you find the best policy possible. Learn more about their services online, and call (740) 667-3111 for a free quote today.