Motorcycle insurance <\/a>is a financial contract. If you have a mishap involving your bike, then the bike and other parties might sustain costly losses. Your policy can help you cover some or all the costs related to your losses. <\/p>\nCommon Motorcycle Insurance Requirements <\/strong>
\nYour own solvency is not the only reason you need to carry motorcycle insurance. ![\"man](\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\")
<\/p>\nWhen you ride your bike, you’ll also pose risks to others. Thus, if your actions harm them, you might have to pay for that party’s losses. Your insurance policy can help you do so. <\/p>\n
Paying for someone else’s losses might prove helpful to them. However, it is also a cost to you. That’s why most states require bikers to carry motorcycle liability insurance. This coverage can help you repay a third party for their losses if the accident was deemed your fault. <\/p>\n
Most states are at-fault states. This means they assign fault for accidents to those judged responsible for causing the crash. The at-fault party likely must pay for some, or all, of the losses others sustain. However, a few states — the no-fault states — do not assign fault. Their insurance requirements and driver responsibilities will often vary from those of at-fault states. <\/p>\n
The most common insurance requirements are: <\/p>\n
\n- \n
Bodily <\/span>In<\/span>jury <\/span>L<\/span>iability <\/span>C<\/span>overage<\/span><\/span> <\/span>to pay for someone’s injuries.<\/span><\/span> <\/span><\/p>\n<\/li>\n- \n
Property <\/span>D<\/span>amage <\/span>L<\/span>iability <\/span>C<\/span>overage<\/span><\/span> <\/span>to pay for someone’s property losses. Fox example, you can pay for damage to their vehicle.<\/span><\/span> <\/span><\/p>\n<\/li>\n<\/ul>\n\nSome states also require drivers to carry other coverage, such as: <\/p>\n
\n- \n
Uninsured or <\/span>U<\/span>nderinsured<\/span> <\/span>I<\/span>nsurance:<\/span><\/span> This coverage pays for damage to your own vehicle if another driver, without appropriate liability coverage, hits you. You won’t have to rely on them alone to cover your costs.<\/span> <\/span><\/p>\n<\/li>\n- \n
Personal <\/span>I<\/span>njury <\/span>P<\/span>rotection:<\/span><\/span> <\/span>This coverage can help you and your passengers cover your medical bills following an accident.<\/span><\/span> <\/span><\/p>\n<\/li>\n<\/ul>\n\nSpeak to your Auto Insurance Discounters agent about the coverage you need to carry on your policy. Most states require minimum levels of coverage. Remember, you can usually increase the required coverage to make it a better fit for your cost risks. <\/p>\n
What Happens If You Drive Without A Policy? <\/strong>
\nSo, now you can see why it is important that you carry motorcycle insurance. If you fail to drive with a policy, you will likely face legal consequences. <\/p>\nThis is particularly pertinent when dealing with a policy lapse. Policies might lapse because: <\/p>\n
\n
\n
\n- \n
You never carried coverage to begin with<\/span>.<\/span><\/span> <\/span><\/p>\n<\/li>\n- \n
You did not pay your insurance premiums<\/span>.<\/span><\/span> <\/span><\/p>\n<\/li>\n- \n
You experienced an accident, driving charge or other at-fault mishap<\/span> — and your insurance dropped coverage.<\/span><\/span> <\/span><\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n
\n
\n- \n
Your policy expired because its term ended<\/span>.<\/span><\/span> <\/span><\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\nThus, you need to carry coverage from the time you buy your motorcycle. Keep in regular touch with your Auto Insurance Discounters agent to determine if you need to make changes to maintain the right coverage. <\/p>\n
What Are The Potential Penalties? <\/strong>
\nIf you drive without motorcycle insurance, a variety of penalties might result. These can include: <\/p>\n\n
\n
\n- \n
Tickets, fines and court appearances<\/span> <\/span><\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n
\n
\n- \n
Traffic school requirements<\/span> <\/span><\/p>\n<\/li>\n- \n
License suspensions or revocations<\/span> <\/span><\/p>\n<\/li>\n- \n
Points on your driver’s license<\/span> <\/span><\/p>\n<\/li>\n- \n
Arrest, detention or probation<\/span> <\/span><\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\nFurthermore, you might also have to get an SR-22 form. These penalties require you to carry motorcycle insurance for a certain number of years. The policy works as follows: <\/p>\n
\n- \n
You first secure a motorcycle policy. Some <\/span>carriers <\/span>do not insure SR-22 carriers, however. Peachstate Insurance<\/span><\/span> can help you l<\/span>ocate one who does.<\/span><\/span> <\/span><\/p>\n<\/li>\n- \n
You get the SR-22 form from the insurer and then send it to your state’s authorities. <\/span> <\/span><\/p>\n<\/li>\n- \n
The authorities will then maintain the form until it expires.<\/span><\/span><\/p>\n<\/li>\n<\/ul>\n <\/span><\/p>\nKeep in mind that if you let your insurance lapse during the time you have an SR-22 in place, you’ll likely face penalties. The penalty might also start over from the get-go. Also, if you commit further offenses during the SR-22 period, then you might have to restart the penalty. <\/p>\n
Driving without coverage increases your insurance risk. Thus, you’ll likely pay higher insurance premiums when you do get a policy. It is always best that you don’t drive until you do have coverage in place. <\/p>\n","protected":false},"excerpt":{"rendered":"
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