Motorcycle insurance, like auto insurance, is required by law in Ohio. However, the legal minimum is often not enough coverage for many people. If you ride and are concerned about the amount of protection you need, below is an introduction to motorcycle coverage in the state.

A Beginner's Guide to Ohio Motorcycle Insurance

Legal Minimums

To operate a motorbike on public roads, you must purchase $25,000 worth of bodily injury liability coverage per person, with a per-accident maximum of $50,000. You also need $25,000 worth of property damage liability coverage. These are the same amounts required for auto insurance in the state, but they cover only injuries and damages to other drivers if you’re at fault in a collision. Consider additional coverage to protect yourself, passengers, and your investment.

Additional Coverage

As an extra defense, consider purchasing collision and comprehensive coverage, as well. These are nearly identical to the coverage options available for auto insurance. For instance, collision covers damages to your vehicle caused by on-the-road accidents, while comprehensive coverage pays for non-collision losses, including those caused by fire, storms, falling objects, vandalism, and theft. You can also purchase personal injury protection. Also available are custom accessories coverage and transport trailer coverage to safeguard expensive saddlebags, chrome accessories, trailers, and other cycle equipment.

Layup Insurance

Because it’s too cold and icy to ride in an Ohio winter, you can usually purchase special coverage during the layup period. It covers theft, fires, and other damages that might occur while the bike is in storage, but it excludes collision and liability coverage. Therefore, it’s much less expensive, but you can’t ride the bike legally during this time; any collision damages will not be covered.

To purchase high-quality, affordable motorcycle insurance, contact Robert Taylor Insurance in Lorain, OH. They also maintain offices in Elyria and Norwalk, and have been serving clients throughout Greater Cleveland since 1989. In addition to motorcycle and auto insurance, they also specialize in homeowners, renters, life, and commercial insurance. Visit their website to explore their coverage options, or call (440) 277-5191 to request a quote.