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Whether you drive a car or motorcycle, the majority of states require you to carry a certain amount of insurance. While both types of policies serve the same fundamental purpose, they work in different ways. To ensure you’re in compliance with the law and properly protected, you must understand the distinctions. Below is an overview of what to know about auto and motorcycle insurance before heading out on the road.

Auto vs. Motorcycle Insurance  

Auto Coverage  

Drivers in Nebraska are legally obligated to purchase a minimum liability amount of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, $25,000 for property damage, as well as $25,000 to $50,000 for uninsured/underinsured motorist bodily injury coverage. This will cover the other party’s costs resulting from any accidents you cause and your own medical expenses if you’re hit by a motorist that isn’t sufficiently insured. You may also add coverage that will reimburse you if your vehicle is damaged, stolen, or vandalized.  

Motorcycle Insurance

motorcycle insuranceSimilar to auto insurance, coverage for motorcycles is designed to provide financial protection in the event of a disaster on or off the road. Nebraska’s liability and uninsured/underinsured requirements also apply to motorcycle insurance. Additionally, the policy can be tailored to meet your individual needs by including options like collision and comprehensive coverage, which will help pay for theft, vandalism, and vehicle repairs.

Key Differences 

Although auto and motorcycle insurance policies often contain the same types of coverage, there are unique add-ons that motorcyclists can utilize. These include protection for custom accessories and transport trailers. Also, passengers riding in a car are automatically covered by the driver’s policy as long as they have coverage beyond liability, whereas a separate policy must be purchased to cover passengers on a motorcycle. Another major difference is that motorcyclists have the option to reduce their coverage and only pay for laid-up insurance during the winter months when they won’t be out riding.

 

If you need auto or motorcycle insurance, turn to Allstar Insurance for help finding reliable coverage. They offer a range of product options and will assist you in customizing a policy that provides adequate protection for the lowest rate available. Residents in and around Lincoln, NE, have relied on the family-owned and -operated agency for high-quality, personalized insurance solutions since 1995. Call (402) 477-0900 to request a free quote, or visit them online to learn more about their services. 

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