Mid-America Insurance Agency of Illinois has been providing insurance for residents of the state for many years. Our agents know the ins and outs of policies and state law. This includes motorcycle insurance. A motorcyclist must carry the minimum liability insurance designated by the state to cover others if they hurt someone or damage property in an accident. This law is not just for motorcyclists, but it is for all drivers of motorized 2- or 3-wheel vehicles on the road.
Motorcycle Liability Insurance
Motorcycle liability insurance covers another person/people who may be injured in an accident or whose property is damaged or destroyed in an accident.
Property Damage & Bodily Injury Insurance
Liability insurance covers damage to someone else’s property, whether you’re in an accident with another motorcycle, a car, or a fence. If the property is damaged or destroyed, your insurance will pay to have whatever you hit repaired or replaced. Bodily injury insurance pays for medical bills for someone you may injure while riding your motorcycle (another motorcycle rider, a pedestrian, or a passenger in a car, etc.) It’s important to remember you may still have to pay something out of pocket, depending on your coverage.
Collision pays for damage caused to your motorcycle in the event of an accident where you are at fault. This type of coverage will help repair or replace your motorcycle. No one plans on having an accident or their bike damaged/destroyed. Comprehensive policies can also help with non-collision related accidents, such as weather, vandalism, and more.
First Party Medical Insurance
This is optional medical insurance coverage that is meant to pay medical bills if you are hurt in an accident.
If you’re in the market for motorcycle insurance, it never hurts to give us a call or stop by our office for a quote. Call Mid-America Insurance Agency in Illinois today!