Motorcycle insurance is required in North Carolina, but you may wonder if you have enough coverage. We offer motorcycle insurance at Hedgepeth-Hutson Insurance Services Inc. in Nashville, NC.
Legally Required Coverage
North Carolina requires you to have liability insurance when registering your motorcycle. This includes $30,000 per person in Bodily Injury Liability and $60,000 per accident. You’ll need $25,000 in property damage liability as well.
Any policy you purchase in the state will meet these coverage limits. However, you may want to consider higher coverage limits.
Full Coverage
If you have a loan or lien on your bike, your lender will require you to have full coverage. This will cover the cost of fixing or replacing your bike if it’s damaged or totaled in an accident.
Full coverage includes collision and comprehensive coverage. Collision coverage covers damage caused by an accident on the road. Comprehensive coverage covers damage to your bike when you aren’t riding, including vandalism and storm damage.
If you don’t have a loan on your bike, you may be tempted not to have full coverage. However, if you can’t afford to replace or repair your bike if it’s damaged, it’s a good idea.
Optional Coverage
You may also want to consider optional coverage. If you enjoy riding long distances, you should consider trip interruption insurance. This will cover repairing your bike or accommodation if it’s damaged or breaks down on the road. You can also get roadside assistance.
If your bike is customized or has expensive accessories, you may want to cover these items as well, as they aren’t covered under your standard policy.
Motorcycle Insurance at Hedgepeth-Hutson Insurance Services Inc.
If you need motorcycle insurance in Nashville, NC, contact us at Hedgepeth-Hutson Insurance Services Inc. Our expert agents are here to discuss your needs and help you choose the best policy for your situation.
