If you drive a motorcycle in Kentucky, you must follow the law—and protect yourself in the process—with motorcycle insurance. There are numerous types of coverage to fit your situation. To help you understand your options and requirements, below are answers to a few questions that people usually ask.

Frequently Asked Questions About Motorcycle Insurance

Is motorcycle insurance required in Kentucky?

Kentucky law requires motorcyclists to purchase a minimum amount of coverage. You need $25,000 worth of bodily injury liability for each injured motorist, to a per-accident maximum of $50,000. You also need $10,000 of property damage liability coverage to pay for damage you cause to other vehicles.

Should you buy more than the minimum?

The legal minimum only protects others. It doesn't pay for damage to your bike or medical treatment for you or your passenger. Therefore, you should consider other types of coverage, in addition to liability coverage. Moreover, if you have considerable assets, you should buy more liability coverage than the legal minimum, since you would be responsible for any amounts beyond the coverage limits.

What types of coverage are available?

As with auto insurance, you can buy collision coverage, which pays for repairs from an accident if you cause it. Comprehensive coverage pays for non-collision losses, such as those due to fire, flood, and theft. Medical payments coverage pays for treatments for injuries you or your passenger suffer. Finally, uninsured motorist coverage pays for damages from a driver who is either uninsured or whose limits don't fully cover your loss.

What does motorcycle insurance not cover?

A basic policy does not cover accidents that occur during commercial use of your bike. For instance, if you use it for deliveries, you should discuss a commercial plan with your agent. Moreover, most insurers do not cover accidents that occur during races or competitions. You need additional coverage to guard against these risks.

To learn more about your motorcycle insurance options, contact the friendly agents at Cundiff & Company Insurance in Somerset, KY. They have been helping clients throughout Pulaski County for more than 40 years, and their specialties include auto, business, and homeowners insurance. Visit the website for more information about their services. Call (606) 679-8379 to request a motorcycle insurance quote.