Motorcycle insurance provides essential protection for you and your passengers. It’s exhilarating to head out on your bike and feel the fresh air on your face, but it’s also comforting to know that you are fully protected in the event of an accident. The expert team at North Coast Insurance Services, serving Lexington, MI, is here to help with the proper motorcycle coverage.
Personal Injury Protection (PIP)
Personal Injury Protection (PIP) is required for both auto insurance and motorcycles in Michigan, but there is an important detail to understand. Motorcycles are not automatically covered under PIP like cars. However, if you have an accident, your passengers might be able to claim PIP benefits through their auto insurance. PIP covers medical expenses, rehabilitation costs, and wage loss, regardless of who is at fault in the accident.
Bodily Injury Liability Coverage
If the accident is your fault, bodily injury coverage protects you, your passenger, or someone else who is injured. If your passenger is injured, your insurance will cover their medical expenses up to your policy limit. After the limit is reached, you are responsible.
Passenger Liability Coverage
Many insurance policies include guest passenger liability coverage, which covers your passenger’s injuries regardless of who is at fault.
Uninsured/Underinsured Motorist Coverage
If you are in an accident, it’s the other driver’s fault, and they don’t have any or enough insurance, uninsured and underinsured motorist coverage ensures you and your passenger are financially protected.
Protect Your Passengers With The Proper Coverage
You need to know your motorcycle insurance coverage. The professional team at North Coast Insurance Services, serving Lexington, MI, will ensure that you have the proper motorcycle insurance. Contact us today, and let’s work together to protect you and your passengers.
