Are you planning on owning a motorcycle soon?
If so, you’re probably shopping around for motorcycle insurance in Mishawaka, IN, and wondering what your coverage might entail. Before you purchase a policy, here are three questions you should know the answers to. These answers aren’t specific to any Kevin Dennis Insurance Agency policy, in particular, so you can apply them to whichever type of coverage works best for you.
1. What Is the Minimum Liability Coverage I Need?
In the state of Indiana, the following minimum liability is required in order to register your bike with the Department of Motor Vehicles. The absolute minimum coverage you can legally ride with is:
- 10 thousand dollars to cover property damage
- 25 thousand dollars to cover bodily injury for one person per accident
- 50 thousand dollars for bodily harm per accident for multiple people.
The state of Indiana also requires you to carry liability coverage for uninsured and underinsured persons, in case you are injured in an accident by someone who has insufficient coverage.
2. Does My Insurance Coverage Change Based On Whether I Wear A Helmet While Riding My Motorcycle?
In Mishawaka, IN, you can legally ride your motorcycle with or without a helmet as long as you are 18 years or older. That is the state law regarding helmets.
However, this does not necessarily apply to private insurance policy requirements. For instance, your insurer might require you to wear a helmet in order for your coverage to be in effect. You should ask your insurance agent whether no helmet at the time of an accident means that your coverage is void.
3. Do I Need Motorcycle Insurance To Ride My Motorcycle in the state of Indiana?
In order to register and ride your bike in Indiana, you have to show proof of motorcycle insurance at the state’s Department Of Motor vehicles. If you don’t have adequate coverage and therefore cannot register your bike, you are not legally allowed to ride it.
Are you ready to insure your motorcycle? Contact a friendly agent at the Kevin Dennis Insurance Agency to explore your options. We’re standing by to help you today.