Motorcycle Insurance in Marietta, GA
If you own or drive a motorcycle, purchasing motorcycle insurance may be required, depending on where you live. Additionally, having the right motorcycle insurance policy can help protect you financially if you’re involved in an accident or your bike is stolen or damaged. Contact us today to learn more about motorcycle insurance or get a quote.
What Is Covered Under Motorcycle Insurance?
The coverage provided by your motorcycle insurance may vary based on what’s included in your specific policy. Some aspects that may be covered under a policy can include:
- Liability protections (e.g., bodily injury and property damage liability) for injuries or damages you may cause to someone else while riding your motorcycle
- Additional protections to you if you’re injured or your motorcycle is damaged in an accident with an uninsured or underinsured motorist
- Property damage to your motorcycle caused by a collision with another object
- Property damage to your motorcycle caused by vandalism, fire, theft or other covered losses
- Roadside assistance
- Towing
- Trip interruption expenses
- Additional or specialized equipment
Contact our agency today to learn more about the protections that may be available to you.
Why Do You Need Motorcycle Insurance?
Depending on where you live, motorcycle insurance may be required by state law. What’s more, if you’ve financed your motorcycle, your lender may require you to carry minimum coverage amounts. Beyond these requirements, having adequate motorcycle insurance can help protect you financially if you’re in an accident or your bike is damaged or stolen. Without insurance, you may have to pay for all incurred expenses out-of-pocket.
Motorcycle Insurance Required in Georgia?
Georgia law requires all motorcycle riders to carry a minimum amount of liability insurance. Riders caught without valid insurance face fines, license suspension, and possible vehicle impoundment.
How Much Does Motorcycle Insurance Cost?
Motorcycle insurance premiums vary based on factors such as the rider’s age, driving history, bike type, and how often the motorcycle is ridden. A liability-only policy generally costs less than a policy that includes collision and comprehensive coverage. Riders can often lower their premiums by completing an approved safety course, bundling policies, or maintaining a clean driving record.
Does Motorcycle Insurance Cover Theft?
Theft is typically covered under the comprehensive portion of a motorcycle insurance policy, not the liability or collision portions. If your bike is stolen, a comprehensive claim would generally reimburse you for the actual cash value of the motorcycle at the time of the theft, minus your deductible. Riders who carry only liability coverage would not have theft coverage included in their policy.
How To Get Motorcycle Insurance
If you need a motorcycle insurance policy, we’re here to help. Call Fletcher Insurance Associates to discuss your motorcycle insurance needs and get a quote for a policy that’s right for you.