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Do You Need Motorcycle Insurance - Atlanta, GA in Georgia?

Motorcycles face the same accident and operational hazards as any other motorized vehicle. However, compared to a car or truck, motorcyclists experience much greater risk. With just two wheels and specific skills needed to operate a bike, motorcyclists don’t have the same level of security as other drivers.

Motorcycle insurance gives riders the necessary protection to keep themselves and their bikes protected in an accident. This coverage can help pay for accident damage, settlements and other obstacles. Motorcycle insurance may save you money and reduce potential loss, whether you are on the road or parked on your driveway.

What Are Georgia-specific Motorcycle Requirements?
If you own or ride a motorcycle in Georgia, the state requires you to carry motorcycle insurance. Motorcycle insurance is critical if you should be involved in a crash, and coverage may help secure your financial security if you have a severe crash-related injury.  

In Georgia, to have valid motorcycle insurance, the state requires that you meet its coverage minimums. Peachstate Insurance can ensure that you have the required insurance to comply. Additionally, as a motorcycle owner, you need to carry proof of insurance at all times when you’re riding. And on another note, all bikers and passengers must wear safety helmets, which can help protect you and your passengers in a motorcycle crash.

What Can Motorcycle Insurance Include?  
Standard motorcycle insurance can provide you with numerous benefits, which may include:  

• Collision coverage may provide compensation if the motorcycle is damaged or lost due to a collision with another vehicle or object.  
• Liability insurance may cover bodily injury and property damage the insured biker may cause to other drivers.  
• Comprehensive coverage may provide compensation if the motorcycle is damaged or lost due to fire, theft, vandalism, hail or wind.  

• Personal injury protection may help with medical expenses for the driver and their passengers in an accident, no matter who is at fault.  
• Guest passenger liability insurance may help if a guest driver causes an accident while operating the motorcycle with the owner’s permission.  
• Uninsured/underinsured motorist insurance may help if the insured vehicle is involved in an accident with a driver who doesn’t have insurance.  

Riders may also choose to purchase additional coverage riders, such as roadside assistance, custom parts coverage, gear and accessories coverage, replacement cost coverage and gap insurance. Peachstate Insurance can assist you with tailoring a motorcycle insurance policy so that it meets your needs.

Is Motorcycle Insurance Expensive?
Numerous factors determine your motorcycle policy’s price, which may affect your specific policy. These variables include:

• Your motorcycle’s value
• Your driving history  
• Your coverage limits  
• Your claims history  

• How far you ride yearly
• Where you live

Choosing a motorcycle policy with features and coverages that align with your riding needs would be best. Some riders decide to enjoy savings with a lay-up policy. If you can’t enjoy riding your bike in the winter months, there may be no need to fully insure your motorcycle if it’s stored for an extended period. With a lay-up insurance policy, all coverage except comprehensive is suspended for a specific period. We can give you more details about this seasonal coverage option.

Protect Your Riding Future
For many bikers, riding equals freedom. But if you’re on the road, you’re at risk. The right motorcycle insurance can help safeguard your financial security and help protect your riding future. After all, there’s nothing like experiencing the freedom of the open road on your bike, especially when you know you have the right coverage.

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