When driving a vehicle, insurance coverage is a must. This is true whether a person drives a passenger vehicle or motorcycle, each of which entails certain risks. If you have coverage questions, learning the difference between auto and motorcycle insurance is a good place to start.

What Auto Insurance Covers

When it comes to bodily injury coverage in Georgia, you must have $25,000 per person and $50,000 per accident. You must also have at least $25,000 for property damage occurring to another person. Georgia also requires drivers to have uninsured motorist coverage for both injury and property damage.

Along with collisions involving vehicles, auto insurance also covers collisions with stationary objects, such as fences, or even with wild animals. It can also provide funding for theft and vandalism so you’re not responsible for repairs. You can also obtain policies to help with tows should your vehicle break down, those that cover your injuries regardless of fault, and policies that will reimburse you for rental costs.

 What Motorcycle Insurance Covers

Georgia also requires a mandatory minimum when it comes to motorcycle insurance. You must have $25,000 per person and $50,000 per accident for bodily injury, and $25,000 for property damage. Similar to auto insurance, motorcycle policies also include liability coverage, medical payments coverage, coverage for vandalism and theft, and uninsured motorist coverage.

Some motorcycle policies include trip interruption insurance, which is useful if your bike breaks down while away from home. In terms of cost, certain portions of motorcycle coverage can be more expensive. Riding a motorcycle is considered a higher risk, so medical coverage tends to be pricier. However, the costs for insuring your bike are often less expensive since motorcycles are much less expensive as compared to vehicles.

Whether you need auto coverage or are looking for a reliable motorcycle insurance policy, Wilson Insurance Agency can help you make the right choice. As an independent insurance provider, these agents leverage their strong working relationships with carriers to offer the most affordable coverage available. Along with auto and motorcycle policies, they also offer insurance for ATVs and RVs, boat coverage, renter’s policies, flood insurance, and coverage suited to small business owners. If you’d like to get started on your personalized quote, feel free to visit the website. You can also call (706) 278-0549 to speak with an agent in Dalton, GA, about your insurance needs.