Why You Need the Right Motorcycle Insurance Policy

There’s a lot of freedom in riding a motorcycle, but there’s also responsibility and a need to be careful. Part of that comes with being safe on the road, and some of it’s based on having proper motorcycle insurance to protect you and your investment in your bike. At Asheville Insurance Center, we want to help all of the motorcycle riders in the Asheville, NC area have good quality insurance policies they can rely on for their safety, security, and peace of mind. There’s no reason to settle for a low level of coverage when you want more protection, and we can help you make sure you have the type and level of coverage that’s right for you.

Just like with a car, insurance for a motorcycle has different coverage options and choices. Some people want more coverage, and others want less, depending on several factors. Whether you use your bike for your daily commute or you only ride it on the weekends, there’s a policy that’s going to be right for your needs and lifestyle. The best way to find that policy is to work with a knowledgeable agent who can offer plenty of great information about the choices you have for coverage.

Reach out to us today at Asheville Insurance Center, and let us answer your motorcycle insurance questions. If you’re in the Asheville, NC area, we’re here to help you. Our agents are committed to quality and value, and we want to be sure you’re getting all that you need to be comfortable and feel secure on the road. Whether you’re a new rider or you’ve enjoyed the experience of riding a motorcycle for years, it’s vital to make sure your policy is the right one for your bike and the amount of riding you do. We’ll help you find what works.

What are the motorcycle insurance requirements in North Carolina?

Motorcycle enthusiasts in the greater Asheville, NC area are fortunate to have such a beautiful area to call home and enjoy on the back of their bikes. If you are interested in getting a bike of your own, you may be wondering about the state’s insurance requirements. The team at Asheville Insurance Center is here to help guide you through the motorcycle insurance selection process as you determine which policy type and coverage level are right for your needs.

The state requires that motorcycle owners have three different types of coverage in their policies: bodily injury per person, bodily injury per incident, and coverage for property damage. We recommend comprehensive policies that also protect you from liability and uninsured drivers. 

Bodily Injury Per Person

This policy will provide coverage for each of the people involved in an accident, whether they are in another vehicle or are your passenger.

Bodily Injury Per Incident

Coverage also includes coverage per incident, which can help cover medical costs in the event of a covered incident. 

Property Damage

If you are involved in an accident that damages or destroys another person’s property or your motorcycle, this coverage will go into effect.

The state’s required coverage levels are quite modest, and if they are exhausted due to damages arising from a covered event, you can become financially liable for the uncovered amounts. It is advisable to opt for a comprehensive motorcycle policy that contains higher coverage levels and more in-depth coverage.

If you are interested in the motorcycle insurance policy options available here in the greater Asheville, NC area, call or stop by the Asheville Insurance Center today to meet with one of our agents. We are here to help you find the appropriate policy to meet your needs.