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The state requires anyone who drives to be able to prove financial responsibility, and one of the easiest ways to do that is by getting motorcycle liability insurance. In order to qualify, the policy must have $50,000 bodily injury coverage for an accident involving two or more people and $25,000 for property damage coverage.
In addition to the minimum insurance requirements in Ohio, there are other insurance options to protect yourself. Since motorcycle riding can be dangerous, it’s a good idea to get some additional liability coverage above the minimums. Comprehensive and collision coverage will cover any damage to your bike in an accident or non-accident related event. To save on these coverage options, select a higher deductible. Total loss coverage will pay the suggested retail price of the current model year of the motorcycle if your motorcycle is considered a total loss.
Medical payments coverage will help pay for any medical bills you have because of an accident. If you don’t have adequate health insurance, you want this to stay protected. Optional equipment coverage will cover any personal touches you make to your bike since these customizations don’t come cheaply. Towing and labor coverage will help if the bike breaks down and you are stranded and need a tow. It can cover labor costs for things such as a dead battery, lost keys, and flat tires. Uninsured and underinsured motorist coverage helps pay for damages if you get into an accident with someone who doesn’t have adequate insurance.
The type of insurance you need in Ohio will be dependent on your driving style. An agent at Greater Cincinnati Insurance Services in Cincinnati, OH can help. For those who live in crowded urban environments, you may want more insurance since your odds of getting into an accident are greater. If you are only using your bike for weekend rides through the country, you can probably get away with less coverage.
Contact Greater Cincinnati Insurance Services, serving Cincinnati, OH, to get a quote on motorcycle insurance.