Bodily Injury Liability Insurance For Motorcycles

What is Bodily Injury Insurance?

This form of motorcycle insurance (or motorbike insurance) covers medical-related expenses caused to other parties while operating motorcycles. This includes injuries sustained by passengers.

It does not pay for your personal injury medical expenses; that's the job of medical payments insurance.

What are Common Types of Bodily Injury Expenses?

Bodily liability coverage pays for a wide array of accident-related expenses, including:

• Doctor's visits

• Hospital stays

• Prescription medications

• Physical therapy

• Home-health care

• Lost work wages

• Funerals

This insurance can also pay your legal fees if you're sued as a result of the accident.

How Much Motorcycle Bodily Injury Coverage Do You Need?

There isn't a single answer to this question.

You'll first need to meet your state's minimum bodily injury insurance requirements. This is usually part of the financial responsibility law pertaining to vehicle owners featured by each state. Many states give the option of not carrying insurance by using an alternate method of proving financial responsibility, such as posting a bond with the state. But, for most cyclists, taking out a motorcycle liability policy is the easiest route for compliance.

However, most states only require a modest amount of insurance coverage that won't give adequate financial protection in a severe accident. That's why so many financial professionals advise having much more insurance than the minimum amounts mandated by the states. Ignoring this advice could leave you in financial peril for years, and vulnerable to expensive lawsuits.

To determine the proper amount for yourself, it's best to consult with an insurance agent or another qualified financial professional. And, keep in mind that liability insurance becomes relatively cheaper the higher the amount of protection.

Where Can You Purchase Motorcycle Insurance?

Most auto insurance carriers offer liability insurance, including bodily injury and property damage. Considering this, you should comparison shop (preferably online) to find insurance providers with the most affordable bodily injury insurance rates and the most appealing coverages. By being savvy, you could purchase more insurance protection that you might have thought possible.

Some sites allow you to evaluate motorcycle insurance quotes from multiple carriers at the same time. After narrowing your choices, you should contact the individual insurers to learn more about their coverages, and determine which company is the best overall fit for your situation.