If you own a bike or your plan on purchasing one, you must know that motorcycle insurance is not a choice; it is a requirement. In order to legally drive your motorcycle you must have motorcycle insurance in Fairfield CT. Just like with regular automotive insurance, there are several different types of motorcycle insurance. Here is a brief description of your coverage options.
Liability insurance is mandatory. This is the minimum requirement in most states. If you are deemed at fault in an accident or collision, liability insurance will cover damages to other people or property. It will not cover you or your bike, however.
Collision insurance will cover any damages your motorcycle receives in an accident or collision, even if you are at fault. This level of coverage is not required but it gives many people peace of mind to know that their bike will be covered in case of an accident. You must meet your deductible before the damages will be covered.
Uninsured/Underinsured Motorist Coverage
In the unfortunate event that you are in an accident with a driver who is either uninsured or underinsured, this coverage will become very useful. It will cover your medical bills, lost wages, and damages to other passengers. If you want your bike insured as well, you can add that to your policy.
There are many different types of motorcycle insurance in Fairfield CT. Many insurance agencies will allow you to tailor a policy to fit your needs. Call one today for a motorcycle insurance quote.