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Motorcycles are generally cheaper than cars, less expensive to maintain, and a lot of fun to ride. However, because they’re so much smaller than most other vehicles on the road, a collision can be devastating both physically and financially. Like most other states, North Carolina requires bikers to get specialized accident insurance to protect other motorists and themselves from the hazards of the road.

Motorcycle Insurance in North Carolina

Car Insurance Endorsements

accident insuranceIn North Carolina, every motorcycle rider needs to get a motorcycle policy to cover liability which is not covered under a car insurance policy. Depending upon the value of the motorcycle, theft & collision coverage may be available as well.

Mandatory Minimums

Motorcycles in North Carolina are subject to the same liability coverage requirements as any other vehicle. State law requires every motorist to carry at least $30,000 of bodily injury liability coverage per individual, with a $60,000 minimum per accident. You’ll also need at least $25,000 in property damage protection to pay for any harm to other vehicles resulting from an accident for which you’re legally liable.

Other Types of Accident Insurance

While liability coverage does meet the state’s minimum requirements, it may not offer the full protection you need. For instance, collision coverage will pay to repair or replace your bike if it’s damaged in an accident you caused, and comprehensive insurance will cover scenarios like hail damage, fire, or theft. You should also talk to your insurance broker about uninsured motorist coverage, which will pay your damages if you’re hit by someone driving without insurance.

 

Getting the right accident insurance for your motorcycle is imperative, which is why bikers throughout the High Point, NC, area rely on Zimmerman Insurance Agency for peace of mind and customized coverage. Since 1963, this leading insurance agency has provided personalized service and tailored policies from some of the best carriers in the nation. To get in touch and request a quote, call (336) 883-6512 or visit their website today. Follow their Facebook for more expert insurance advice.

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