Georgia is the Peach State, with great places to ride, including country roads and open roads, where a number of motorcycles cruise around. For motorcycle drivers in GA, riding is a relaxing, adventurous, and enjoyable way to get around. However, the risks are real.
American Development Communities, Inc.
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ALPHARETTA, GA.
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Motorcycle Insurance
Why GA. Bikers Need Motorcycle Insurance
Bikers who are involved in a crash have a higher risk of personal injury and damage to their bike. In addition to understanding, motorcycle insurance can help protect you financially in case of an accident.
GA. Motorcycle InsuranceU
Unlike riders in other states, Georgia has few legal restrictions for motorcyclists. Helmets are required for all drivers and passengers over the age of 18, and minimum motorcycle coverage is not necessary for most drivers. However, just because helmets may be unfashionable for some people and the minimum insurance required is low, does not mean you should go without. A helmet could prevent severe head trauma or death in an accident, while insurance provides essential financial protection that will not extend from your New Georgia auto insurance policy.
GA. Motorcycle Insurance Requirements
Most motorcyclists are required to carry a large amount of motorcycle insurance; however, you are required to hold a motorcycle license or endorsement on your driver's license. Those who are required to carry motorcycle coverage include those who are required to file proof of liability insurance (aka: an SR22 filing) with the state due to the following:
You were involved in an accident and did not have insurance at the time
You were convicted of a DUI
You were convicted of reckless driving
You have exceeded the allowable limit of traffic violations
Suppose you have an SR22 filing with the state of Georgia on your auto policy. In that case, you are not required to file an additional document with your motorcycle policy, according to the Georgia DMV. That said, if you chose not to insure your motorcycle and had an SR22 filing on your auto policy, the Georgia personal auto policy would never extend coverage to that motorcycle, and you would be left personally responsible for paying any damages in an at-
You are required to purchase insurance, the minimum legal requirements
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The Basics of GA. Motorcycle Insurance
Regardless of whether or not you are required to carry insurance, it is a good idea to have the right level of protection. If your bike is damaged, stolen, or someone is injured by your bike, the costs can be staggering. If you do not have motorcycle insurance, you may be responsible for paying all expenses out of pocket. This could be much more devastating than simply having to give up your motorcycle, but it could mean attaching your wages until medical bills and damages are paid off.
In addition to the mandatory minimum listed above, there are various coverages to choose from when purchasing insurance. In addition, you could increase the limits (which is strongly suggested), as well as add the following:
Collision helps pay for repairs to your motorcycle if damage is caused by an accident.
Comprehensive helps pay for repairs or to replace your bike if stolen, vandalized or damaged in some other way besides a collision. This could include fire damage, flood, falling objects, wind or collision with an animal.
Customized parts and equipment is an option with some motorcycle insurance policies.
Roadside assistance , which can include towing and other basic emergency services.
Most people who own motorcycles are passionate about their bikes. If you have made a significant investment in your bike, a customized motorcycle policy can help you restore it and keep you on the road. Suppose you have a bike to tool around town on. In that case, motorcycle coverage is still a critical protection for your finances as you do not have to have a nice bike to cause injury or damage to another's property.
New Hampshire is unique among states in that it does not require motorcycle insurance in most cases. However, driving without insurance is taking a considerable risk. A single accident can cost more than most people can afford to pay out of pocket. Investing a small amount in insurance can protect you, your bike, your passengers, and others on the road who need to keep on rollin’.
These minimum coverages help protect other drivers, as well as yourself, if you are the cause of an accident and will help protect you financially as well.
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Contact us today. We can help. Let us take the risks off your hands by transferring it to the insurance company.
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