If you ride a motorcycle in Nebraska, you are legally required to have insurance—including $25,000 of bodily injury coverage per person for a combined minimum of $50,000 per incident. You also need $25,000 of property damage coverage per incident. However, there are several reasons to get more motorcycle insurance than what is mandatory. The guide below looks at some of the benefits involved.

Why Invest in Motorcycle Insurance?

1. Liability Insurance

This coverage kicks in if you’re involved in an accident where you are determined to be at fault. It helps pay for damages caused to another person or their property, saving you the heavy financial burden of paying for this out of pocket. Therefore, make sure you have this and that your policy has a deductible you can afford in case of an unexpected incident.

2. Coverage for You & Your Bike

If you’re involved in an accident that is someone else’s fault, their insurance should pay for your damages and injuries. However, sometimes the other motorist might not have coverage. This is where comprehensive insurance steps in—paying for these expenses rather than forcing you to wait for a settlement.

It also covers incidents that are not related to an accident, like your motorcycle being stolen or vandalized. Comprehensive insurance offers protection for many scenarios—from storm damage to colliding with an object instead of being hit by another road user.

3. Coverage for Passengers

If you are likely to have passengers riding on the back of your motorcycle, confirm that your policy covers them in case you are involved in an accident. As well as ensuring that your passenger gets the help they need if something goes wrong while they’re on your bike, this coverage will also mean you can avoid any tension or even legal battles with someone you are close to.

4. Repairing & Replacing Accessories 

Motorcycles often have custom parts that may need to be repaired or replaced. You could also get riding clothes, helmets, backpacks, or tools covered as long as you specifically agree on this with your insurer. The policy can cover you whether these items are lost, stolen, or damaged while you are out riding.

5. Roadside Assistance

If you don’t have a membership with a roadside assistance organization, you can add this service to your insurance as an optional extra. This should cover you for essential roadside repairs like flat tires, along with the delivery of fuel or water. If your bike can’t be fixed by the side of the road, it will be transported to the nearest repair shop.

When you’re looking for a motorcycle insurance policy that covers everything you need, reach out to Accredited Insurance Group, Inc. in Omaha, NE. Having been in business since 1984, they pride themselves on superior customer service. Their licensed professionals work hard to find the most suitable and affordable policies for their clients. Call (402) 334-1780 to speak with an agent. Visit them online for more information on their capabilities.