Motorcycle Insurance in Michigan
Motorcycles are typically risky vehicles that see a lot of accidents on the road. For this reason, it is an excellent idea to obtain a high-quality insurance plan for your bike. It is also legally required to have motorcycle insurance in Michigan. If you live in the West Bloomfield,
MI area, you may consult with Agency Advantage Insurance to find reliable plans.
What Are The Minimum Requirements In Michigan for Motorcycles?
The state requires that you have up to $20,000 worth of coverage if an injury or death happens to one person.
Also, $40,000 worth of coverage is needed if two people are involved. Your policy must also be able to cover $10,000 worth of property damage.
In general, it is a good idea to get much higher coverage when it comes to insuring a motorcycle.
What If My Bike Is Destroyed?
Policies have different ways of determining the payout for your wrecked bike.
Some may calculate the current value of the bike and give you cash.
Others may pay you according to your motorcycle's value when you purchased your insurance plan.
Types Of Coverage To Add To Your Policy:
- Medical Coverage – This is to cover the medical expenses of those involved in the accident.
- Comprehensive Coverage – Covers thefts, fires, or any non-collision related damages.
- Trip Interruption – If your policy includes this option, this will pay for travel costs and lodging
if your trip is interrupted by an accident.
- Coverage Of Accessories – Some policies will cover items that are not attached to the bike up to a certain dollar amount.
- Roadside Assistance – If you ever need a tow, this option will cover the costs involved getting your car off the road.
Whether you like it or not, you will need to get insurance for your bike. You should email or call Agency Advantage Insurance located in West Bloomfield, MI to see if there is an affordable policy for you if you live in Michigan.
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