Why You Need Motorcycle Insurance

If you own a motorcycle, insurance isn't optional—most states require it. But while state laws set minimum coverage requirements, those minimums often fall short when it comes to real protection. These laws are designed to cover basic damages or injuries caused to others in an accident, not necessarily to protect you or your motorcycle. That’s why it’s important to look beyond the minimum and choose coverage that fits your actual needs.

Understanding Deductibles

A deductible is the amount you agree to pay out of pocket if you're involved in an accident. If you’ve had full coverage on a car before, this concept might be familiar. For motorcycle insurance, the deductible works the same way: before your insurance kicks in to cover damages, you’ll need to pay the deductible amount first.