When driving your motorbike, you use several safety precautions, such as wearing a helmet and leather gloves. Just as equipment and accessories help protect you from physical harm, motorcycle insurance covers you financially in case of an accident. Below are several reasons why it’s wise to invest in this type of insurance.

Why It’s Wise to Purchase Motorcycle Insurance

1. Meet Ohio Motor Vehicle Insurance Requirements

You must carry motorcycle insurance to drive your bike in Ohio. Each owner or driver needs mandatory minimum accident insurance coverage of $25,000 for death or injury of one person, $50,000 for death or injury of two or more people, and $25,000 for property damage. If asked at an accident scene, vehicle inspection, or traffic stop, you are required to show proof of liability insurance.

2. Protect Your Guest Passenger

Your mandatory liability insurance covers drivers and passengers of other vehicles. If a passenger is on your bike and you’re involved in an accident, it is wise to have coverage for your rider. Guest passenger insurance can save you from paying expenses out-of-pocket if a rider suffers personal injuries or property damage.

3. Cover Your Property Damage or Loss

Collision and comprehensive insurance for your bike provide benefits if your vehicle is damaged. Collision insurance covers repairing or replacing your motorcycle after an accident. If your motorcycle sustains damage or destruction in an event other than an accident, comprehensive coverage pays loss benefits. This coverage applies in situations including when someone steals your bike, or a fire or flood ruins it.

Purchasing motorcycle insurance keeps you in compliance with the law and provides peace of mind. When you want to find the best rates and policy coverage, turn to the Ohio Insurance Center Agency. This independent agency works with numerous carriers to help motorists meet their obligations and save money. Policyholders throughout Hamilton, Butler, and Warren counties depend on this Cincinnati insurance agency to help them select plans that fit their budgets and meet their needs. Visit the agency online to learn more about their services or call (513) 522-6300 to request a free quote.