The state of Michigan is one of the states that requires all motorcycle operators to carry motorcycle insurance. Just like auto insurance, the state has required minimums that must be met by motorcycle operators. Motorcycle operators need to understand what those minimum coverage requirements are and purchase coverage to meet the required minimums. 

Michigan’s New No-fault Law Increased the Required Coverage Limits
Michigan’s new no-fault law became effective July 1st, 2020. This state law changed the minimum coverage amount that is legally required for motorcycle operators. The state requires all motorcycle operators to carry liability coverage. The new coverage amounts required by the state increased. Motorcyclists must currently carry liability insurance in the amounts of $50,000 for bodily injury and a single death, $100,000 for bodily injury and more than one death, and $10,000 for property damage. 

The Agency Advantage Insurance of West Bloomfield, MI understands how changes to the state minimum requirements may create some confusion. We are committed to making sure motorcycle operators understand the minimum state requirements for coverage and purchase motorcycle insurance that meets both state minimums and their specific needs. Our team at the Agency Advantage Insurance of West Bloomfield MI can educate Michigan motorcycle operators on the need to purchase state liability insurance for motorcycles for bodily injury, death, and property damage. Visit us online or give us a call. We look forward to answering all of your questions. 

Other Considerations Regarding State Minimum Coverage…
The state’s no-fault policy won’t provide additional coverage beyond the preset limits. As a result, you may want to consider purchasing much higher levels of coverage to cover an accident. It should also be noted that the state of Michigan doesn’t reduce motorcycle operator’s financial responsibility just for wearing a helmet. Motorcyclists’ in Michigan will have to meet the insurance requirements set by the law. Visit us online or give us a call. We’re standing by.