If you own a motorcycle, you understand the excitement, adventure, and joy that you can experience exploring the open roads of the country. However, this adventure and sense of fun cant be yours without some level of responsibility. Nebraska, like other states, does have required insurance minimums for drivers. However, that’s just part of what’s needed to operate a motorcycle and how it works.
The Nuts and Bolts of Motorcycle Insurance
Motorcycle insurance is very similar to car insurance. It covers and protects you from motorcycle accidents. It also protects you from loss, damage, and even theft. It also includes you in cases where you are responsible for another person’s injuries or property damage. Liability insurance covers all of these situations. This insurance covers all types of motorcycles and includes choppers and mopeds. It even includes street bikes and Segways. State requirements form the foundation of what’s essential coverage wise. This is why it’s crucial that you understand the requirements of your state. The standard motorcycle insurance policy will cover costs associated with damage to your own bike as well as compensation for injury to another person and their property. Legal fees are included as well. Your motorcycle liability coverage applies to the cost of claims and legal fees. However, these fees are only covered up to the limits of your policy.
The Richards Insurance Agency of Lincoln, NE understands that state requirements can be challenging to understand if you’re a new or inexperienced motorcycle driver. Nebraska requires at least $25,000 in bodily injury protection per person and $50,000 per accident. You will also be required to carry $25,000 in property damage coverage. You must show proof of this coverage to register your motorcycle and operate or drive it. Most states require minimum insurance coverage for motorcycle drivers. Give us a call today.
We look forward to helping you protect yourself, your motorcycle, and others as you cruise the streets of Nebraska.