It is often said that the freedom of the road is best experienced on the back of a motorcycle. Insuring your ride is just as important as insuring your car and a motorcycle can present unique risks to youself, your passengers, and others.
Underinsured and uninsured motorcycle insurance are highly recommended options when purchasing motorcycle insurance and we recommend carrying the uninsured and underinsured options through the the umbrella coverage as well. If another party is at-fault in an accident and you, your passengers, or your motorcycle are hurt, you can tap into your own policy for coverage if the at-fault parties limits run out.
The minimum amounts of liability insurance that you must carry on your motorcycle in Missouri are $25,000 per one person for bodily injury in one accident, $50,000 per two or more persons for bodily injury in an accident, and $10,000 per accident for property damage.
Motorcycles, ATV’s, and other fun toys that are licensed for public road use have a number of coverage options we can help you understand. There are also a number of available discounts for motorcycle riders. Many companies offer discounts based off experience and education when it comes to motorcycle riding. They will ask how long you have been riding a motorcycle, how many years you have been licensed for motorcycle use, if you have completed any rider training courses, and whether you belong to any motorcycle association groups. Other rate factors include the cost of the bike, safety features, the size of the engine, the amount of customization and aftermarket parts.
We know that it can be daunting when purchasing motorcycle insurance and we are here to help. Give us a call to learn more about motorcycle insurance policies.
Contact us at MedInsure Group to find out more by calling us 877-403-8584 or scheduling an appointment with one of our team members here.
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