73 Cavalier Blvd
Florence, KY 41042
You are required to have motorcycle insurance in the Norther Kentucky / Greater Cincinnati. For example, motorcyclists in Kentucky must have $50,000 in bodily injury insurance per accident and $10,000 for property damage. There may also be the option to select a single $60,000 combined limit to put toward all costs. Kentucky is also rare in that it’s a no-fault state, as well as a choice no-fault state. This means that drivers can opt out of the no-fault system when they purchase a policy and get traditional coverage. If you choose this option, then you are free to pursue a liability claim against the at-fault driver.
The minimum coverage required is only for liability, which will help protect your finances in the event of an accident. This doesn’t cover your own bike. Collision coverage will protect your bike in an accident. Comprehensive coverage will protect your bike if it is stolen or damaged by vandalism, fire, wind, or water. Bodily injury coverage will cover certain costs if you kill or injure someone in an at-fault accident. It will also protect your passenger and cover you if the other driver has opted out of no-fault coverage. Uninsured and underinsured motorist coverage can help protect you if you get into an accident with someone who doesn’t have insurance or not enough. Even if the state is cracking down on those who don’t have insurance, it can still happen. Medical payments coverage will cover items such as medical co-payments, deductibles, prescription drug payments, dental care, home nursing care, or funeral expenses for drivers who are killed. You can also get additional liability coverage since the minimum limits may not protect you. You are responsible for additional costs when your policy is maxed out. An agent at Budget Guard Insurance can help you find the right coverage options for your needs.
Contact Budget Guard Insurance, serving the Northern Kentucky / Greater Cincinnati, to get a quote on motorcycle insurance today!