Motorcycle insurance protects you if you are involved in an accident or the bike is damaged or stolen. In addition to the financial safeguards it offers, motorcycle insurance also provides legal liability protections if you are at fault for another person's injury or property damage in an accident. Below, learn more about the importance of this type of coverage with answers to frequently asked questions about motorcycle insurance.

Answers to Common Motorcycle Insurance Questions

Is motorcycle insurance required in Ohio?

Yes. Ohio's minimum coverage amounts are $25,000 for death or bodily injury for one person; $50,000 for death or bodily injury to two or more people; and $25,000 for property damage. Motorcycle operators must carry proof of insurance with them at all times when they are on their bike.

What exactly does motorcycle insurance cover?

It depends on the plan and policy limits you choose. The minimum coverages discussed above are relatively high, but accidents can be extremely costly, which means you may want to consider increasing your coverage for added protection.

For instance, collision covers motorcycle damage in most kinds of accidents. Comprehensive coverage includes costs of bike damage and loss from non-accident causes, like fire or theft.

Uninsured or underinsured coverage takes care of costs if the at-fault driver isn't insured or isn't adequately insured. These are just a few examples of additional coverage that you should think about adding to your overall plan.

How does it work?

Motorcycle insurance works like any other kind of coverage. You will have a deductible, which is the out-of-pocket costs for which you are responsible. Once those costs reach the stated limit, the coverage kicks in and takes over payments up to the policy's limits. Deductibles and limits vary between different types of policies.

What happens if I have an accident? Will my rates go up?

If you're in an accident, report it right away to your insurer and follow the procedures they have in place. Your rates may or may not go up. While accident history is used to determine risk and, by extension, policy rates, some plans have accident forgiveness clauses if you maintain a generally good driving record.

When you need motorcycle insurance in the Batavia and Blanchester, OH, areas, trust Kramer-Myers & Werring-Dickerson Insurance. Since 1960, they have been offering comprehensive insurance solutions. From motorcycle and auto insurance to home and farm policies, they can help you stay protected. Call (513) 732-1461 or visit them online to request an insurance quote.