Motorcycle Insurance in Michigan: Why You Need Collision Insurance

When you have a motorcycle in Michigan, you will want to be protected against every risk and liability. The minimum state requirements for motorcycle insurance will help you to get on the road and get there safely. However, it may not protect you against collision costs in the event of an accident.

At The Ryan Insurance Agency, we help Clarkston, MI residents understand the importance of a thorough motorcycle insurance policy. We can help you to design the best insurance policy for your budget, and help you define your own terms for collision insurance.

Benefits of Collision Insurance

When you are in an accident with your motorcycle, your insurance will cover a certain amount of damages and risks. If you don’t have collision insurance, you may be out of pocket for some serious costs.

A standard motorcycle insurance policy may cover you for some medical costs and liabilities, but the minimum requirements may not be enough.

Collision insurance will help you to pay for damage to your motorcycle if you are in any kind of accident. This is coverage that protects you regardless of who is at-fault in an accident. Your financial burden in the event of an accident is mitigated when you have collision insurance.

Extended Coverage

When you are considering collision insurance, you should know that you can design your collision insurance to meet your needs. Many motorcycle owners take great care and pleasure in customizing their bikes to make their rides more enjoyable. A standard collision insurance policy can help with some repairs, but it may not be able to cover specialized customization to your bike.

You can add this and widen the coverage on your collision insurance with your motorcycle insurance policy. It is very common to add coverage to your existing policy to ensure you are covered for everything in the event of a collision.

Get a Quote

When you are looking for motorcycle insurance in Clarkston, MI, you will want to be sure that you have collision coverage. When disaster strikes, collision insurance can help you have peace of mind during a crisis. Call The Ryan Insurance Agency for a quote today.

What does motorcycle insurance cover?

You appreciate an insurance policy only when something goes wrong. In a motorcycle accident, having an insurance policy can be the difference between recovering from your injury and repairing your property or taking a financial hit that takes time to restore. Besides the peace-of-mind advantage of carrying motorcycle insurance, it is also a legal requirement in Clarkston, MI.

So, what will the insurance policy cover in case of an accident? The experts at The Ryan Insurance Agency explain the different types of coverage included in your policy.

Liability coverage

If you inadvertently cause the accident, the law requires you to pay the injured party’s medical bills and property repairs. The amount is included in your policy’s liability limit. The coverage also extends to your family should they be responsible for an accident while using your motorcycle.

Medical Payment Coverage

If you or your family members are injured in an accident, the policy will reimburse all medical or rehabilitation expenses resulting from the accident. The policy will also pay the funeral costs.

Collision coverage and Comprehensive coverage

Collision coverage reimburses for physical damage to your motorcycle that occurred during the accident. Comprehensive coverage compensates for damages caused by falling objects, fire, theft, hail, or animals.

Uninsured and underinsured coverage

Uninsured and underinsured coverage protects you when the accident is someone else’s fault, and the other driver does not have insurance or has a low coverage limit. In that case, your policy will reimburse the difference. The coverage includes medical bills and property damage.

Preparing to take care of your family and your property when the unexpected happens is easy. Talk to our experts from The Ryan Insurance Agency in Clarkson, MI, who can help you choose a perfect policy, so you can relax.

Choosing Motorcycle insurance Options

Michigan is a beautiful place to ride your motorcycle. Michigan law requires you to have motorcycle insurance. At The Ryan Insurance Agency in Clarkston, MI, we offer several motorcycle policy options to keep you safe and in compliance. 

Motorcycle Liability

Liability insurance is required for all motorcycles in Michigan. Liability insurance will cover accident damages if you are at fault in an accident. There will be separate limits for bodily injury and property damage. It also covers injuries to your passenger if the accident is your fault. 

Collision and Comprehensive Coverage

Collision coverage will cover the damage to your bike if you are at fault in an accident, including collisions with another vehicle or object. This includes either repair to the bike or the replacement cost. New motorcycles may qualify for total replacement coverage, which reimburses you for the amount you paid for the bike. 

Comprehensive coverage covers non-driving-related damage. This includes theft, vandalism, and storm damage. Comprehensive coverage does not cover damages arising from normal wear and tear or lack of maintenance. 

Specialty Options

Specialty options allow you to add different coverage options to your policy. Accessory or custom part coverage is a popular choice. Many owners spend a significant amount of money on custom parts that aren’t typically covered under a standard policy. This covers custom accessories or parts, including tailpipes, custom paint, and saddlebags. Safety equipment, including leather jackets and helmets, may also be covered. 

Trip interruption insurance is another option to consider if you enjoy road trips. If your bike breaks down more than 100 miles from home, trip interruption insurance can pay for food and shelter costs while you are stuck on the road. 

If you need motorcycle insurance in Clarkston, MI, contact us at the Ryan Insurance Agency. We can provide the right type of insurance to meet your motorcycle insurance needs so that you can enjoy your bike. 

How Important is Having Motorcycle Insurance in Michigan?

There are a variety of bike riders that enjoy being on the road with their motorcycle in Michigan. Whether you are deciding to enjoy the open breeze alone or with a few friends, at the end of the day, it is vital to make sure that you are protected along the way. 

The Ryan insurance Agency is based in Clarkston, MI, and we believe in ensuring that all of our clients are safe in every way possible. By Michigan state law, all individuals that operate a motorcycle are required to carry liability insurance. This is to protect the rider from anything that may occur, including accidents, property damage, and theft. 

Within the motorcycle laws of Michigan, you are obligated to have personal injury protection (PIP) and bodily injury/property damage (BI/PD) within your insurance policy. When you work with one of our agents that understands the law thoroughly, we will make sure that your insurance policy meets all of the state laws in addition to anything additional that you may want. As Michigan is a No-Fault state, if you are riding your motorcycle and you are in an accident, that does not fall under the No-Fault guidelines. Things can get a bit tricky when it comes to medical coverage. It is easy to work with an insurance agent to determine your needs.

Would you like to speak to one of our agents about the motorcycle insurance that we can offer you? Our agents are available to assist you what answering any questions or concerns that you may have. Please feel free to call us at our office during business hours at (248) 403-8591.