If you just bought a motorcycle, you’re probably eager to take to the open roads. Before you head out, having the proper auto insurance coverage is a necessity to keep you, other drivers, and your bike safe. Here are answers to frequently asked questions about motorcycle policies to help you understand what you need.

5 FAQ About Auto Insurance for Motorcycles

Is coverage required?

Yes, you must meet Wisconsin’s minimum liability coverage. This includes property damage and physical injury care.

Auto insurance agents advise securing coverage above the minimums so you can reduce the chances of having to pay out-of-pocket if accident-related expenses exceed those lower thresholds. 

What does this cover?

All policies will pay for property damage and others’ physical injuries in an accident caused by you. Depending on the auto insurance plan you get, coverage may apply to legal expenses if someone sues you for additional damages.

Does minimum liability coverage protect my passengers?

No, the state-required minimum only covers the passengers of the other vehicle if you cause an accident. However, if the other party is at fault, their minimum insurance coverage will protect you and your passengers.

What additional protection is available?

You can add extra coverage that ensures the full replacement of your motorcycle if it is totaled in an accident.

You can also request uninsured/underinsured coverage to protect you in case you’re involved in an accident where the other driver was at fault but doesn’t have the proper insurance.

You can also add comprehensive insurance, which pays for damages caused by weather conditions, fallen tree branches, theft, fire, and other non-collision incidents. 

Does the type of motorcycle I ride affect my rates?

Yes, since certain types of vehicles come with greater risks. For example, racing bikes and other high-performance motorcycles could cost more to insure. Using the bike as your primary mode of transportation may also affect how much you pay for coverage, regardless of its type. 

Congratulations on becoming a new motorcycle owner. Edwards Insurance Agency in Sparta, WI, wants to ensure you’re safe on the road. This independent firm will work on your behalf to compare coverage and rates from several leading providers. When you partner with one of their experienced and friendly agents, you’ll receive customized protection designed to fit your budget. Learn more about auto insurance online or call (608) 269-4512 for a free, no-obligation quote.