As with any type of motor vehicle, motorcycles require insurance for you to drive them legally in most areas. If you’re a new rider, there are several aspects you should know about obtaining coverage. Discover the basics regarding policies for motorcycles below.

Why Do You Need Motorcycle Insurance?

Even though most states require motorcycle riders to have coverage, a policy also protects you from paying significant out-of-pocket sums if you ever have an accident. If you’re liable for someone else’s injuries on the road or property damage, you could wind up paying tremendous amounts.

Fortunately, having coverage limits the amount you must spend to a reasonable deductible. It can also reimburse you for medical bills and the cost of any damage your motorcycle sustains during accidents, vandalism, and other circumstances.

What Are Your Coverage Options?

The minimum requirement for coverage is a liability policy. This will cover the price of any bodily injury you might cause, as well as the costs for property repairs for other people. You can also take out additional coverage. For example, uninsured and underinsured motorist coverage will ensure the value of damage to your motorcycle, medical bills, and other fees, even if you should have an accident with an uninsured driver.

You might also consider collision insurance, which will repair or replace your motorcycle even if you’re at fault in an accident. Finally, comprehensive insurance will cover damages your motorcycle sustains outside of motor vehicle incidents, such as natural disasters, theft, or vandalism.

If you’re a motorcycle enthusiast or driver seeking insurance in the Cincinnati, OH, area, contact Stautberg Financial Group. As a top-rated independent insurance agency, this team offers many coverage options for homeowners, motorists, businesses, and individuals. For more information about their services, visit the company online. Request a policy quote by calling (513) 821-6300.