Motorcycles can provide a thrilling and enjoyable way to traverse the open road and navigate traffic. However, even the most avid and experienced bikers must account for the potential perils of these vehicles. Given their slighter stature compared to most other vehicles on the road and how exposed you and your passengers may be, motorcycles present significant danger. With these things in mind, you should be prudent about understanding, acquiring and maintaining adequate motorcycle insurance.
What Does Motorcycle Insurance Cover? 
Motorcycle insurance policies can be tailored to suit your needs, preferences, budget and other unique circumstances. In many cases, terminology within your motorcycle coverage may resemble standard auto insurance you might get for a car. Consider prioritizing the following features:
- Collision coverage may financially protect your bike from damage sustained from crashes with other vehicles or stationary objects, such as buildings and guardrails.
- Comprehensive coverage may assist with repair costs if your motorcycle is stolen or damaged by fires, vandalism or severe weather.
- Bodily injury liability coverage may provide financial assistance if you are responsible for injuring someone else, such as by hitting them with your vehicle. This coverage is required in South Carolina.
- Property damage liability coverage may provide a financial safeguard for other parties’ losses if you are at fault for damaging their property. This coverage is required in South Carolina.
- Medical payments coverage may help cover health care costs if you or your passengers are injured in an accident.
- Uninsured motorist coverage may help ensure you recoup losses caused by someone else, even if they do not have insurance. This coverage is required in South Carolina.
- Underinsured motorist coverage may help cover accidents caused by a driver with insufficient insurance to cover the incident.
- Accessories coverage may help pay for losses involving your riding gear, including your gloves and helmet.
Why Do I Need Motorcycle Insurance?
Motorcycle insurance should be considered essential for even the most experienced and skilled riders. Many states, including South Carolina, impose legal requirements regarding coverage or proof of financial responsibility, and failing to comply with such mandates could lead to significant fines and penalties. Additionally, if you’ve purchased your bike with the help of a loan, your lender may require additional insurance, such as for collisions.
Even if you are not subject to any official obligations regarding motorcycle insurance, retaining adequate coverage should be a top priority. Your vehicle represents a significant financial investment and may also carry sentimental value. Without suitable insurance, you may lack the means to repair, restore or replace it following accidents or other incidents. Additionally, if you are liable for other parties’ losses and do not have sufficient coverage, you could be sued and have to forfeit assets.
Where Can I Get Motorcycle Insurance Near Me?
As a dedicated member of the Sumter and Summerton communities, Dixon Blackwood Insurance Agency Inc. is fully committed to helping motorcyclists identify and secure the right coverage. Visit our website or call one of our offices today to learn more.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.