In Michigan, motorcycle insurance and car insurance basic requirements are similar. However, since the likelihood of an accident is far greater when riding a motorcycle, you’ll want to protect yourself, your passengers, and your bike in the event of a collision.
Your liability and collision policies cover other vehicles involved. So, you need to make sure that you take precautions for underinsured motorists and hit-and-run drivers. Your Agency Advantage Insurance agent in West Bloomfield, MI can help you understand the different types of motorcycle insurance available.
Michigan Mandatory Motorcycle Insurance
To meet the state’s mandatory motorcycle insurance law, you need the following types of coverage:
- bodily injuries for other drivers in an accident you cause
- bodily injuries for passengers in a vehicle you hit in an accident you cause
- property damage to another vehicle in an accident you cause
Why Do You Need More Coverage?
When you are shopping around for insurance, make sure your agent knows the right questions to ask. The mandatory requirements do not cover you, your motorcycle, or passengers in an accident you didn’t cause. You can protect yourself by purchasing additional policies that do. Additional policies that protect you against uninsured or underinsured motors and hit-and-run drivers include:
- personal injury insurance for you
- uninsured property damage for your motorcycle
- personal injury insurance for your passengers
Motorcycles aren’t protected by Michigan’s no-fault law, and if you are financing your motorcycle, the lender may require additional coverage. Contact your representative at Agency Advantage Insurance in West Bloomfield, MI today to find out more about your motorcycle insurance needs or to set up an appointment for a quote.