With Minnesota home to an abundance of beautiful lakes and scenery, it is not surprising that the popularity of motorcycling has grown exponentially in recent years. Operating a motorcycle is far more challenging than a car because not only are you exposed to the elements with no modern safety equipment like airbags, but also you are only balancing on two wheels. Safely operating a motorcycle requires a heightened awareness of your surroundings from other motorists that may be distracted, to animals that could jump out in front of you, to sand, water and other elements on the road that could lead to an accident. Adequate insurance has never been more important than it is for motorcyclists and Minnesota requires that you carry at least minimum liability coverage to the tune of:
- $30,000/$60,000 Bodily Injury Protection
- $10.000 Property Damage Liability
Remember that these are only the minimum standards required by law and are likely to offer woefully inadequate coverage if you are involved in an accident. Therefore, Deluxe Insurance Group in Blaine, MN recommends that you purchase additional liability coverage to best protect your assets. Failure to have proof of insurance on your person or motorcycle after an accident or when stopped by a police officer can result in license suspension, fines, and even jail time for repeat offenders. Most motorcycle insurance policies will be mirrored to model personal auto policies and include collision, comprehensive, and liability coverage. Optional add-ons include coverage for custom equipment, roadside assistance, and OEM endorsement that requires your motorcycle to be repaired with new parts directly from the manufacturer.
For more information and to schedule a complimentary consultation, give the Deluxe Insurance Group a call or stop by our conveniently located office in Blaine, MN. We look forward to helping with all your insurance needs.