Motorcycle Insurance in Virginia

It's important for all riders to understand the dynamics that a motorcycle insurance policy offers. Take the time to speak with Cary-Wheeler & Associates Inc. of Richmond, VA on how to protect yourself and your motorcycle.

How Does Motorcycle Insurance Works?

Motorcycle insurance works in the same manner as car insurance. It provides financial protection from theft, vandalism, and other incidents that are beyond your control. Before agreeing to a motorcycle insurance policy, you will need to answer some questions about your own personal riding habits.

Is the motorcycle your main source of transportation or are you just a weekend riding enthusiast? Your answer will determine the policy's coverage limits. Customizing your own motorcycle insurance policy secures the coverage you desire with some important additions to the original agreement.

The Importance of Liability Coverage

It's mandatory for all motorcycle riders to have liability coverage as part of their motorcycle insurance policy. The coverage becomes helpful if you're involved in a vehicle accident. Often, the insurance policy will return your motorcycle back to its pre-accident condition.

The state of Virginia requires some form of liability coverage in all motorcycle insurance policies. The mandatory limits include $20,000 property damage-per-accident, $25,000 bodily injury-per-person and $50,000 bodily injury-per-accident.

If it's ruled that you were responsible for the road crash and others were injured, then the liability coverage will pay for all the damage that was done to the other vehicle and personal property. Plus, all the other drivers and their passenger's injuries will be covered as well. Also, liability coverage will pay for the expenses of a pending lawsuit that strictly pertains to the vehicle accident.

No matter the type of motorcycle you own, it's wise to gain a better understanding of the different types of insurance coverage available from a representative with Cary-Wheeler & Associates Inc. of Richmond, VA. They can design a policy to fulfill all of your motorcycle insurance needs.