Motorcycle Insurance

As you would with your vehicle, you need motorcycle insurance to protect yourself and your investment financially. Liability insurance is a requirement for motorcycle owners in most states. Your liability coverage will protect you by paying for injuries or property damage that you cause to other people.

Shelly's Insurance Agency advises you to purchase motorcycle insurance that is beyond Maryland’s minimum requirement in order to protect yourself fully if you are sued for injuries or damages resulting from a serious motorcycle accident. Check with your agent to be sure if you need to carry uninsured/underinsured motorist coverage as well. This coverage comes in handy when you are involved in an accident with an uninsured driver or one who doesn’t have sufficient insurance coverage to cover costs of replacement or damages.

Motorcycle insurance coverage options

• Collision : It covers any damages to your bike, minus the deductible amount. A deductible is an amount you choose when buying your motorcycle insurance to be deducted from your claim amount.
• Comprehensive : If your motorcycle is damaged by a different peril other than collision or is stolen, comprehensive coverage will compensate you. Animal collisions are also covered under comprehensive insurance. A deductible will also apply here.
• Medical payments : It pays for medical bills in the event that you and your passenger are injured in a crash. However, it doesn’t cover for lost wages as is the case with personal injury protection. This is good protection for motorcycle owners who don’t have health insurance.
• Personal injury protection : It helps you pay for any injuries that you or your passenger sustains in case of an accident regardless of who is determined to be at fault. Limits and deductibles apply on the personal injury protection coverage.

If you choose to take advantage of the lay-up period offered in motorcycle insurance policies, you should avoid using your motorcycle during that period because you will not get compensated in case of an accident. For more information about motorcycle insurance, contact one of our local agents today by visiting or calling the offices of Shelly's Insurance Agency in Maryland.