Do You Need Motorcycle Insurance?

If you enjoy the feel of the wind through your hair as you are driving your motorcycle, then motorcycle insurance is a must. It is required in the State of Arizona by law in order to keep yourself protected in the event that there is an accident. If you need insurance coverage in the Mesa, AZ area, the first thing you should do is research insurance companies in the area to see which ones will have the policy you need. Calling and speaking with a knowledgeable insurance representative, such as the staff at INW Insurance Group, may also help answer any questions you have and put your mind at ease. There are three types of coverage that are the most common for motorcycle owners, including:

  • Comprehensive Physical Damage: This type of insurance protects against adverse weather conditions, theft, vandalism, or other damage that was caused when it was not on the road.
  • Collision: Collision insurance will only pay for damage done to your motorcycle after an accident.
  • Bodily Injury Liability: Medical expenses for third parties will be paid after an accident with this type of insurance.

For those motorcycle owners who do have insurance, it is crucial that you do not let the policy expire. Without proof of updated insurance, the motorcycle registration and your driver’s license could be suspended. These rules only apply to those motorcycles that are on the road. It is perfectly acceptable to not update your insurance on a bike that is non-operational, such as being repaired or restored. 

If you enjoy riding your motorcycle and want to continue driving it, motorcycle insurance is necessary. INW Insurance Group works with clients in the Mesa, AZ area and would be happy to discuss any policy with you. Contact them to determine what policy is right for you.