Do you spend your free time polishing the chrome on your Harley-Davidson? Do you live for the sound of your bike cranking up on the weekend? When you prefer life on two wheels, the last thing you want to worry about is an accident. Even the safest riders, however, are exposed to many types of risks on the road. Before you hit the pavement for your next ride, take the time to ensure your motorcycle insurance is up to speed.
Wisconsin Motorcycle Insurance Requirements
Like every motor vehicle and driver on Wisconsin roads, motorcycles and their riders must be adequately insured. Wisconsin’s definition of financial responsibility includes liability insurance that contains a minimum amount of property damage and bodily injury protection. Those limits are:
- $25,000 per person in bodily injury liability protection
- $50,000 per accident in bodily injury liability protection
- $10,000 per accident in property damage liability protection
It is important to think of these limits as the bare minimum of coverage – not what you would actually need in an accident. We typically advise riders to consider the types of scenarios that could result in costly legal fees and judgments. Once your insurer pays the maximum amount limit on your policy, you are responsible for the remainder of your financial liability. This could easily occur if you:
- Cause an accident with a high-value, luxury vehicle
- Cause an accident with more than one vehicle
- Cause an accident that results in severe injuries or death
At Lillie-Couch Insurance, we can help you evaluate your risk exposure and determine how much coverage you might need in an accident.
Additional Motorcycle Insurance
Liability can help you avoid the financial pain of a major lawsuit, but it cannot provide coverage for your own motorcycle or injuries in an accident. At Lillie-Couch Insurance, we build personalized motorcycle insurance policies with the protection you need to cover your personal expenses and keep your bike in first-class condition. These include:
Collision and Comprehensive Insurance
These two types of coverage are designed to cover damages to your bike if you are in an accident, or if your bike is damaged or destroyed by another covered event. It can also reimburse you for losses if your bike is stolen.
Optional Equipment Coverage
Your bike might not look the same as it did when you purchased it. If you have personalized your bike with modifications, accessories, or equipment upgrades, make sure they are protected the same as the rest of your ride.
When other people do not have adequate insurance to cover your injuries in an accident, you could face expensive medical bills that you cannot afford. Uninsured motorist insurance helps cover your injuries if you are hit by an uninsured driver. Underinsured motorist protection provides the same benefits if you are injured by a driver with only limited liability protection.
We don’t have to tell you that riding a motorcycle can be dangerous. Though we hope you never need it, medical payments insurance can help provide peace of mind if you are in an accident – regardless of who is at-fault.
If your bike is stolen from the parking lot of a restaurant or your road trip is cut short by an accident, trip interruption insurance can help cover your lodging, meals, and alternate transportation costs so you can get home safe and sound.
If you ever run out of gas or need to change a flat, your emergency expense protection can help cover the cost of labor. This can include coverage for:
- Fuel and fluids delivery
- Locksmith services
- Flat tires
- Dead battery assistance
- And more
Motorcycle Insurance Quotes
Whether you ride your motorcycle every day or consider yourself more of a weekend warrior, we’ve got insurance that fits your lifestyle. Here at Lillie-Couch Insurance, we can help you build a personalized motorcycle insurance policy that will go the distance. We shop and compare rates on your behalf to ensure you get the maximum coverage at an affordable price. Call us today to request your free quote. We look forward to serving you soon.