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.