Riding a motorcycle is a fun pastime and a thrilling way to get from one destination to another, especially during the warmer months of the year. However, motorcycles come with unique risks due to them not having some of the same safety features as other vehicles, such as doors and a roof. If you own a motorcycle, you should take extra precautions to avoid injuries and ensure that you can afford to pay for any injuries sustained during an accident.
Here are some good reasons why you should have motorcycle insurance in case of an accident.
It is illegal not to have insurance
In Georgia, it is illegal not to have the correct insurance in order to operate a motorcycle or other motor vehicle. If an officer of the law notices that you are driving without insurance, you could face fines and have your registration revoked. This reason alone is a good enough reason to make sure your insurance is up to date before getting in the driver’s seat of a motorcycle.
It gives you peace of mind
Having insurance gives you peace of mind in that you will not be personally responsible for paying for some property damage and bodily injuries, up to a certain amount. For example, in Georgia, there is a requirement to take out at least $25,000 per accident in property damage liability. Bodily injury liability requirements are even higher.
There are good reasons for states to have vehicle insurance laws. It is important to know what is and is not your financial responsibility after getting into an accident.