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In Ohio, it’s mandatory to have motorcycle insurance. It’s essential to have the proper coverage for your needs, as opting out of extra coverage, like lay-up, is possible. However, purchasing added protection above the state minimum to your motorcycle should be considered, as it could save you thousands of dollars in potential liability costs.

Why You Should Buy Motorcycle Insurance

1. Liability Coverage Caused to Others

In 2017, Ohio reported the 3rd highest amount of registered motorcycles in the country. When involved in an accident while driving one, 78.3% of reported crashes result in injury, compared to 31% in vehicles. Due to the added risk of motorcycle collisions from the amount registered in the state, having liability insurance that covers bodily injury and property damage can save you thousands in medical bills, lost wages, and from repairing other’s property.

2. Covers Damages Associated With Accidents

insuranceCollision insurance covers the damage, minus your deductible, if your motorcycle is involved in an accident. Collision covers parts installed before the date of purchase. Accessories or other components that were installed at the manufacturer and are listed in your original sales order will typically fall under this coverage. Optimal equipment coverage is available for parts installed after the initial sale. 

Motorcycles are more susceptible to crashes during rain, snow, and hail than their vehicle counterparts. You’re more likely to crash in general, with other vehicles neglecting to see you in their blind spot as a key factor. Collision insurance will cover most of the cost of replacing the parts and shell of your motorcycle.

3. Long-Time Storage Lay-Up Coverage

It’s rare to see a bike in the winter due to the rushing winds and cold temperatures, so most owners will store them. Lay-up insurance will suspend all coverage, except for comprehensive for a specific period. Comprehensive covers damage unrelated to collisions, like theft, fire, or vandalism. With lay-up insurance, you will still have coverage. 

 

If you’re looking for comprehensive and affordable motorcycle insurance, turn to Kramer-Myers & Werring-Dickerson Insurance in Batavia, OH. For almost 60 years, they have helped their customers find the coverage that’s right for them with customized plans that provide maximum protection. This independent agency offers a free quote and can compare options for multiple carriers to ensure you get the best deal. Visit their website for more information or call (513) 732-1461 to schedule a consultation.

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