Did you know that you need motorcycle insurance to ride a motorcycle legally in Miami, FL? Ignoring insurance laws can get you into serious trouble and your life in danger too. Motorcyclists are vulnerable to the weather conditions and general environment as they are not well-protected like in standard cars.
That’s why Prestige Insurance Group recommends getting proper motorcycle insurance coverages to protect yourself, your bike and other motorists. Here are a few coverages you should consider.
Bodily injury liability
This coverage helps pay medical bills and other expenses related to injuries to other people. It also pays legal fees associated with the injuries in the event of an accident.
Property damage liability
Property damage liability helps pay property owners who may be affected by an accident you caused. It could be the other driver, a property owner on the road or any other road user. The coverage also pays legal fees in case you’re sued.
Comprehensive coverage is designed to replace or repair your motorcycle in accidents that don’t involve collisions such as theft, fire, weather damage or other natural disasters. If the bike is stolen, the coverage can help replace it with the same model and year.
Collision coverage covers claims related to collisions that damage your motorcycle. Whether you collided with another car, tree, rock, pole or even another bike, the coverage helps repair or replace your bike.
Uninsured and underinsured motorist is critical coverage that helps pay your medical bills or repair your bike if you’re involved in an accident with an uninsured/underinsured motorist.
This coverage pays your medical expenses if you get into an accident. It also covers your passenger.
Need to buy motorcycle insurance in Miami, FL? Prestige Insurance Group is the company to contact. We have the skills, tools and experience to help you choose the right coverages based on your needs, style and comfort. For quotes and other policy discussions, call to book your appointment today.