Motorcycles have several advantages over passenger vehicles. For one, they give you a unique connection to the road and a thrilling ride, along with better gas mileage and lower maintenance costs. However, they do come with higher risks, so it’s crucial to get the right insurance before taking your bike out on the road. Here are answers to questions you might have about motorcycle insurance.

Motorcycle Insurance FAQ

Do I Need a Separate Insurance Policy?

Laws on this matter vary from one state to the next. In North Carolina, for example, motorcycles are covered by a “Miscellaneous Type Vehicle” endorsement, which extends your auto insurance coverage to include your bike.

How Much Insurance Do I Need?

Each state requires drivers to carry a minimum amount of liability insurance to protect other drivers on the road. In North Carolina, every motorcyclist’s policy must cover at least $30,000 per person and $60,000 in total bodily injury, as well as $25,000 in property damage.

What if an Uninsured Driver Hits Me?

Unfortunately, many drivers get behind the wheel without insurance. Motorcycle riders are especially vulnerable to injuries, so you should also carry uninsured motorist coverage to cover damages caused by drivers with inadequate coverage.

Do I need an Insurance Agent?

Online quote generators make shopping for insurance policies seem easy, but they can’t give advice tailored to your unique needs. Independent insurance agents also work with several different carriers, giving them a wide range of options from which to choose.

As one of Lexington’s most trusted insurers, High Rock Insurance Agency offers personalized service and high-quality coverage tailored to your unique situation. Because they work with some of the industry’s top carriers, they can shop around to find the perfect motorcycle policy for your needs. Visit their website for more on their motorcycle insurance policies, or call (336) 236-9022 to request a quote today.