Although motorcycles are a lot of fun, they’re also a responsibility. Smart bikers will protect themselves and others with motorcycle insurance. Motorcycle insurance from Justice Couch Insurance will protect you against accidents, bad weather, theft, breakdowns, and more. Here’s why having motorcycle insurance is important in Kentucky.
Motorcycle liability coverage is required in Kentucky by law. This coverage protects others in accidents that are your fault. If you collide into someone and cause extensive damage to his vehicle, liability will pay his property damage costs. If you cause an accident that injures a pedestrian or driver, liability will pay their medical costs.
Liability insurance also protects you against a lawsuit if someone decides to sue you for damages. For optimal protection, it’s best to get as much liability insurance as you can afford.
Motorcycle collision, comprehensive and uninsured motorist (UM) coverage protects your bike against damage or loss. Collision insurance covers damage caused by collisions with other vehicles or objects (a tree, fence, lamp post). As collisions can cause extensive damage to your bike, we recommend this coverage to protect your valuable investment.
Comprehensive coverage protects you against theft and non-collision damage while UM coverage compensates you for damage caused by uninsured drivers. By assessing your risks of these events, you can determine if this coverage is for you. If you hit the road often, you’re at greater risk of having your bike stolen or having it damaged by the elements. UM coverage can benefit you in both city and highway driving, as you never know when you’ll be hit by an uninsured driver.
Driving without motorcycle insurance isn’t an option in Kentucky. Call or visit Justice Couch Insurance today to purchase the quality coverage you need at an affordable cost. We’ll customize your policy to give you accurate protection on the road without your having to pay extra for “fluff.”