Raleigh residents often enjoy taking their motorcycles out from when the weather begins to warm in March through the late November leaf changes. This can make for a great excursion, and is often an activity that is enjoyed among friends. Although no one wants to think about it while they are having fun, the proper motorcycle insurance can make all the difference should an accident happen.
One of the biggest things that all Raleigh residents should be aware of is the fact that North Carolina does require insurance on scooters as well as motorcycles. With a miscellaneous type vehicle endorsement, this coverage will be considered as an extension of a personal auto insurance, which means that provisions are carried over to the motorcycle insurance.
Inclusions And Requirements
While there are a number of steps that are necessary to procure motorcycle insurance for Raleigh riders, it is also important that people know how their coverage is defined.
- Liability coverage – this essentially takes care of any bodily injury or property damage that is the result of an accident. Although policy limits will dictate exact amounts, this aspect addresses a majority of motorcycle insurance concerns.
- Mandatory limits – motorcycle riders in Raleigh are faced with required amounts for coverage in their insurance. This includes at least $30,000 per person and $60,000 per accidents, and $25,000 for property damage to others that is caused in the course of an accident.
- Uninsured and underinsured motorist protection (UM/UIM) – this coverage is in case an uninsured or underinsured driver is at fault for the motorcycle accident. Although it does not cover property damages, it will attend to bodily injury through the UIM policy inclusion.
Ultimately, Raleigh motorcyclists should be more concerned with enjoying their ride, and not worrying about their insurance coverage. To make sure that you have the coverage you need to be both legal and safe, contact Amistad Insurance Services, and let us facilitate your process.