Motorcyclists face higher risks than other motorists, and a motorcycle crash often leads to very serious or life-threatening injuries. The motorcycle itself can be heavily damaged, or totaled. Your motorcycle insurance provides you with protection from the high costs associated with injuries and property damage. Under NC law, all motorcycle and scooter riders must have liability insurance. For riders who own a regular passenger vehicle, your motorcycle can be added to your auto insurance policy.

Liability Coverage

The liability coverage pays for any bodily injury, as well as property damage. The state requires at least $30,000 per person, and $60,000 per accident for bodily injury. The policy will pay out on claims up to that limit in accidents in which it is determined you were at fault. In some cases, motorcyclists are injured by another driver – who is either underinsured or uninsured. It is vital that you are protected against this eventuality, as it is estimated that about 9.1% of drivers on the road do not have insurance in North Carolina, as reported by the Insurance Information Institute – about one out of every 11 drivers. If you are hit by one of these uninsured drivers, UIM insurance can be a lifesaver.

At Timeless Insurance Solutions, We Care.

Need motorcycle insurance that protects you and your property? Our friendly, knowledgeable team of insurance experts is ready to help. We have access to a wide range of insurance providers, and will seek out the best policy for your situation – with your budget in mind. Call us today for help – we will happily review your current policy to find out if we can get you better coverage at a more affordable price. Call now!