In Michigan, motorcycle accidents could present riders with serious injuries. They can also present the risk of a lawsuit if the rider caused the accident. These circumstances are mitigated by following traffic and insurance laws. The state requires insurance for all automobiles. It also retains the right to penalize anyone who fails to follow applicable laws. A local agent provides riders with information about Motorcycle Insurance in Monroe MI.
Liability Coverage for Accidents
Liability coverage is required by the state to manage any expenses of accident victims. When the policyholder is at fault, the liability coverage pays for medical treatment and property damage for the victims. It doesn’t provide any payment for the motorcycle rider.
Coverage for the Motorcycle
The motorcycle rider can obtain any type of coverage they prefer for their motorcycle. The coverage limits start at liability and range up to comprehensive. Comprehensive is the highest coverage level offered. It provides coverage for the policyholder’s motorcycle as well as towing services and roadside assistance. The laws don’t require any motorcycle or automobile owner to purchase comprehensive. However, if the motorcycle or automobile is financed, their lender may require the highest coverage level.
What Could Affect Coverage?
Traffic violations could affect the way in which coverage is provided. Select policies may include clauses for the most serious of offenses. For example, coverage may be limited if the motorcycle rider is guilty of a DUI or fails to follow the terms of the policy.
Are There Laws Requiring Coverage?
The state of Michigan requires all motorcycle owners to purchase at least auto liability coverage. The policy must provide at least $20,000 for individual injuries. It must provide at least a maximum of $40,000 for the overall accident. It should also provide no less tha $10,000 for property damage.
In Michigan, motorcycle accidents produce severe injuries such as traumatic brain injuries. However, in some instances, it is the motorcycle rider who was at fault. For this reason, motorcycle riders are required to carry at least auto liability coverage, too. Riders who need answers about Motorcycle Insurance in Monroe MI can schedule an appointment today with their preferred insurance company.
