It’s a common myth that motorcycle owners can get by with the bare minimum when it comes to insurance coverage. The harsh reality is that motorcycles are less visible and stable than cars, and riders are more exposed, giving them a greater chance of being injured or killed in a crash. Let the team at First Choice Insurance help you determine just how much motorcycle insurance offers the most protection.

All riders are required to have liability insurance, which pays for any injuries and property damage that occurs in an accident caused by you. Minimum coverage limits vary by state, but they typically total $15,000 for bodily injury per person, $25,000 for total bodily injury and $10,000 for property damage.

Personal injury protection coverage pays for medical expenses associated with an accident. It's required only in no-fault states, meaning that the insurance companies of the involved parties will pay for their own respective policyholders regardless of who caused the accident. Currently, there are 12 states that have no-fault insurance laws: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania and Utah.

If you’re involved in an accident, collision coverage pays for repairing your motorcycle. Keep in mind that with some policies, the payout is only up to the current cash value of your bike after the deductible is paid.

As an added layer of protection, motorcycles should consider medical payments coverage as well. The insurance will help pay for medical or funeral expenses of both drivers and passengers in the event of an accident, regardless of who was at fault. Depending on the state, this type of coverage may be required.

Insurance that covers damage to any custom equipment or parts on your motorcycle is called accessory coverage. These accessories can include motorcycle trailers, custom paint, plating and exhaust systems, sidecars, even helmets and leather apparel.

The expert agents at First Choice Insurance will gladly help you determine which types of motorcycle coverage fit your needs and budget. The agency also specializes in high risk insurance, car insurance and homeowners insurance.

Call First Choice Insurance at (513) 860-0666 or visit the website to get a free quote. The insurance claim specialists will find you the best policies with the lowest premiums.