Motorcycle insurance offers protection in case you’re involved in an accident. However, just like auto policies, each state has laws regarding insurance coverage. To ensure Georgia riders are up-to-date on the minimum requirements, here’s what you need to know.

How Much Coverage Should You Have?

Liability insurance protects you when you’re deemed at fault for an accident. These policies offer coverage for medical costs incurred by other drivers, as well as costs stemming from damage to other peoples’ property. 

Much like most other states, Georgia stipulates that motorcyclists must have a minimum amount of liability coverage in place. This entails having at least $25,000/$50,000 of bodily injury coverage per person/accident and $25,000 of property damage coverage per accident. You can increase these limits to ensure greater liability protection. 

What Other Types of Motorcycle Insurance Should You Look For?

Collision coverage pays for damage to your bike regardless of fault, while comprehensive insurance covers damage to your bike that occurs for reasons other than a collision, including theft. In terms of bodily injury to yourself or your passenger, medical payments or personal injury protection would cover those costs. 

If you’ve made upgrades to your bike or have valuable accessories, you can procure coverage exclusive to those items. If you regularly take your motorcycle on extended trips, trip interruption insurance is a smart option. While policies can differ, this coverage usually kicks in when your bike is 100 miles or more away from home and is rendered unusable for some reason. It pays for a place to stay, food, and other expenses you incur while your motorcycle is out of commission. 

If you have questions about motorcycle insurance in Hoschton, GA, Ash Welborn Insurance will gladly provide the answers you need. These skilled agents will help you set coverage limits to the appropriate level to ensure you’re well-protected. They can also help you choose optional policies and pledge to provide the best rates available thanks to their status as an independent insurance agency. Schedule a consultation today by calling (706) 510-0221 and take advantage of more than two decades of experience. For more information on motorcycle coverage and their other policies, visit the website.