Spring and summer are the perfect times of year to pull the cover off your motorcycle, shake the dust off your keys and go cruising down Route 1 to Baltimore or Washington, D.C. Any motorcyclist in Maryland could probably tell you the ins and outs of every specification of their bike, but would they be able to give you an equally comprehensive rundown of their insurance package? Bel Air motorcycle insurance is super important to anyone looking to buy or lease a bike of their own, and it’s just as important to know what’s covered by the policy you’ve chosen.
In Maryland, there are certain types of coverages that are included on all basic insurance plans. Motorcyclists cannot buy plans that do not include these coverages, and in fact it is illegal to operate a bike in Maryland without attaining at least this minimum level of coverage. Cheap motorcycle insurance plans will always include uninsured motorist coverage, medical payment coverage, and bodily injury and property damage liability coverage.
Uninsured motorist coverage ensures that you will not be left holding the bill (and the responsibility) if the driver that hits you does not have any insurance of their own. Your insurance company will cover your damages or medical bills if the driver at fault does not have adequate insurance to cover their liability. Medical payment coverage applies to pedestrians that are struck by your motorcycle — typically, insurance companies will cover up to $5,000 in medical bills, although that amount changes based on the premium that you pay, your driving record and where you live in the great state of Maryland. Finally, bodily injury and property damage liability coverage protects you when you are at fault in an accident. This is the type of Bel Air bike insurance that is used most often, and saves most drivers from financial distress. If another person, or even your passenger, claims that you were at fault for their bodily or property damage, the insurance company will cover your liability up to the limit of your policy.
The best motorcycle insurance packages will include other coverage options that will protect drivers in all different types of situations. For example, collision coverage pays for losses that were caused by impact with another vehicles. This type of coverage costs more, but can really come in handy when you find yourself in an accident-related peccadillo. Drivers who customize their bikes can also purchase accessory coverage that protects the additions they have made to their vehicles. Motorcycle insurance in Bel Air MD doesn’t have to include these supplementary coverages, but many drivers choose to better protect themselves by purchasing them.
If you’re in the market for 21014 motorcycle insurance quotes, it’s best not to be too hasty in your decision. Research is a must, but you won’t find any service levels that exceed ours anywhere in Maryland. Check out our website or call us directly today for a personalized Bel Air motorcycle insurance quote, and start living your dream out on this nation’s great highways tomorrow!