If you own a motorcycle, getting coverage from an insurance company is a must. However, many first-time owners have questions about coverage, and having the right information is crucial to ensure you and your bike are properly protected.

Motorcycle Insurance FAQ

Is motorcycle coverage mandatory?

Motorcycle insurance is mandatory in Ohio. Additionally, you must meet certain coverage requirements. For bodily injury, you must have $25,000 per person and $50,000 per accident. You must also have $25,000 for property damage. Your insurance company can help you determine whether you should increase mandatory minimums.

Are passengers also covered?

While it depends on the policy, you may need to purchase additional coverage for passengers on your bike. Guest passenger liability provides funds for bodily injury incurred by your passengers when you’re at fault for an accident. To determine whether this coverage is included in your policy, it’s best to speak with your insurance company agent.

Is theft covered?

Liability coverage only addresses the damage caused during a collision. Damage resulting from theft or even total loss entails comprehensive coverage. This type of coverage can also be used to recoup losses related to vandalism and non-collisions, such as something falling and striking your motorcycle.

Is normal wear and tear covered by insurance?

Insurance companies provide funding for unexpected events such as collisions. Wear and tear doesn’t fall into that category since it’s expected that your bike will experience these issues over time. You can prevent wear and tear from becoming too serious by performing regular maintenance.

If you’re looking for motorcycle insurance in Springboro, OH, Patton Insurance Group is here to lend a hand. Because it’s an independent insurance company, agents choose from a range of carriers to ensure clients receive the best rates. Additionally, they offer a wide range of products, including life insurance, home insurance, and coverage suited to businesses and commercial properties. If you’d like to speak with an agent about getting covered, call (937) 886-9966 today. You can also visit the website for more information on motorcycle insurance.