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Motorcycles are the uncontested symbol of independence, toughness, and grit. If you ride a motorcycle, you instantly become cool, admired, and perhaps even feared. After all, bikers are known for being no nonsense, and people are always leery of upsetting one! But for as cool as motorcycles are, they can also be quite dangerous. Making sure you know how to properly ride and maintain one is of the utmost importance, and so is making sure you have the right motorcycle insurance coverage. For as cool as motorcycles are, there’s nothing cool about not having motorcycle insurance!

If you don’t think you need motorcycle insurance, then think again! Just like auto insurance, boat insurance, renters insurance and home owners insurance, motorcycle insurance is an absolute must. Here’s why.

It’s the law

While state laws regarding motorcyclists to wear helmets and other protective gear may vary from state to state, every single state requires motorcyclists to be properly licensed and insured. Failure to carry the proper license and insurance can carry some pretty stiff legal, financial, and even personal penalties, so it’s important to do the right thing and get the proper insurance.

You’re covered in the event of an accident

Carrying the proper insurance for motorcycle means that your financial stability won’t get wrecked in the unfortunate event that you’re involved in one. You can rest assured that your medical bills won’t break the bank if you sustain any injuries related to the accident.

Oh, and your motorcycle will be covered too

Having motorcycle insurance is great for ensuring your medical expenses are covered in the event of an accident, but it also means that you can avoid the steep price of paying out of pocket for damage to your motorcycle. Having insurance also means that you’re covered if the other motorists’ car or motorcycle is damaged too. In fact, it’s common for motorcycle policies to include some sort of collision coverage to cover either the repair or replacement of a damaged or totaled motorcycle.

You’re prepared for the worst

Face it; for better or worse, things happen in life. Some are good and some are bad, but regardless, having insurance means that you’re covered. So whether it’s theft, vandalism, or a natural disaster, you can breathe a bit easier knowing that you’re covered.

Roadside assistance

It’s extremely common for insurance policies to offer roadside assistance, which is especially important for motorcyclists. This includes medical assistance, towing, directions, and much more. There’s so way to be safer on the road! Also the peace of mind roadside assistance offers is priceless!

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