Motorcycle Insurance in Virginia

You’ve finally purchased your dream bike and are ready to hit the road for spring. When planning your road trip, don’t forget to get motorcycle insurance. The right insurance coverage will protect you and your newly acquired investment while you’re on the road. For a customized motorcycle insurance policy tailored to your needs, contact your Everett Insurance agent.

Here’s what you should know about Virginia motorcycle insurance.

Minimum Liability Coverage

By law, motorcycle riders in Virginia are required to have minimum liability coverage in the amounts of $25,000 bodily injury per person ($50,000 for more than one person) and $20,000 property damage. This insurance covers injuries and damages sustained by others in an accident you cause.

In the event of serious accidents, minimum liability may not be enough. If you’re an avid motorcyclist, you should consider increasing this coverage to protect your assets. The more time you spend on the road, the greater your risk of accidents. You don’t want to be caught short. Insufficient liability coverage could cost you thousands of dollars in damages out-of-pocket.

Collision and Comprehensive

Although collision and comprehensive coverage are optional, they can save you hundreds or thousands of dollars’ worth of repairs if you’re in an accident. Collision pays for damages to your bike if you collide into another vehicle. Comprehensive protects you against theft and damage caused by vandalism or the elements. As you never know what could happen on a road trip, it’s to your advantage to protect your investment.

Uninsured/Underinsured Motorist

If you plan to explore Virginia or travel cross-country on your bike, you’d do well to get this coverage. It pays your medical expenses or property damage if you’re hit by a motorist with insufficient or no insurance coverage. It’s good to be protected when you’re far from home.

To learn more about motorcycle insurance coverage and costs in Virginia, contact Everett Insurance, serving residents in Virginia, North Carolina or Maryland