Motorcycles are a practical form of transportation, not to mention a lot of fun to ride. At the same time, they pose a higher risk of injury and property damage if you’re in an accident. Motorcycle insurance from Up North Insurance Agency Inc. in Minnesota will protect you and your valuable investment against roadside accidents, theft, and other mishaps. Here’s what you can expect from quality motorcycle insurance coverage.
All motorcycle riders are required to carry liability coverage in Minnesota, by law. This coverage pays for property damage or injuries to others in accidents that are your fault. Minnesota sets minimum limits for liability coverage. If you spend a lot of time on the road, however, it's better to obtain more than just the minimum coverage to protect you against accidents that cause serious harm.
Even careful riders are at risk of accidents. If you crash into another vehicle or object while riding, collision coverage will help cover the cost of repairing your bike. If your bike is a total loss, this coverage will help cover its replacement cost.
Comprehensive coverage protects you against bad weather, animal strikes, and theft. If your bike suffers storm damage on a road trip or you accidentally hit an animal on a Minnesota back road, comprehensive insurance will cover repair costs. Your bike is also protected against theft and vandalism.
Uninsured/Underinsured Motorist Coverage
Although liability coverage is mandatory in Minnesota, not everyone has adequate insurance coverage. If a driver hits you with little or no liability coverage, uninsured/underinsured motorist coverage will compensate your expenses for damage.
You never know when your bike will malfunction on the road. This coverage pays for towing your bike to the shop, so you won't be left stranded in the middle of nowhere.
For quality motorcycle insurance coverage that you can trust, call or visit us at Up North Insurance Agency, Inc. in Minnesota.