Motorcycle Insurance Services

Required Motorcycle Insurance in Michigan

Just like other states, there are motorcycle liability requirements in Michigan. You are required to have $40,000 of coverage for bodily injuries or deaths involving more than one person and $10,000 for property damage liability. Bodily injury coverage will cover injuries if you are at fault for an accident. Property damage liability covers damages to someone else’s property.

There is the option to get motorcycle PIP coverage in the event you are hurt in a type of accident that doesn’t also involve another motorized vehicle. Failure to have insurance at these limits can result in penalties on motorcyclists. Since motorcycles are not considered motor vehicles, motorcyclists are exempt from purchasing no-fault coverage. Even if they are exempt, there are still benefits of buying this coverage, including protection for wage loss, replacement services, attendant care, medical expenses, and mileage.

Optional Motorcycle Coverage in Michigan

There are a few optional coverage add-ons you might like to purchase that increase the limits on bodily injury and property damage liability that will better protect your financial future. An agent at Viking Insurance Agency can help you determine what is right for you.

Collision coverage helps you pay to repair or replace your motorcycle if it is damaged in an accident with another object or vehicle. Since collisions aren’t the only way your bike can be damaged, comprehensive coverage kicks in for other damages, such as hail, vandalism, or fire. It can also provide coverage if your bike is stolen. Both collision and comprehensive coverage come with a deductible and may even be required by your lender if you are paying off your bike. Optional equipment coverage helps if you have upgraded your motorcycle with custom parts or paint. Uninsured and underinsured coverage will pay for your lost wages and medical treatment if you have injuries sustained in an accident caused by someone without insurance or the minimum liability amount. Roadside assistance coverage can help pay for costs if your motorcycle breaks down away from your home.

Contact Viking Insurance Agency to get a quote on motorcycle insurance.

Motorcycle Insurance Types

When it comes to auto coverage, more is better than less. We can help you get the following coverages:

• Liability Insurance
• Uninsured Motorist Protection
• Collision Insurance
• Medical/Personal-Injury Protection
• Comprehensive Insurance
• No-Fault Insurance