A surprising amount of first-time motorcycle buyers don’t realize that they will need to purchase special insurance for their new ride. It is not the same as automobile insurance, but it is similar in many ways. Motorcycles come with a unique set of safety issues for which you must be covered. It is the law in Nevada to have motorcycle liability insurance that is completely separate from your auto insurance, so make sure to talk to Plus One about your options.
We will help you get the coverage you need so you can get on the road faster.
The state of Nevada has legal minimums for liability coverage for your motorcycle. You should always remember the term “25/50/20.” This means that you need to have at least $25,000 of coverage for incurring bodily injury to single person, $50,000 for injuries incurred by more than one person, and $20,000 for any property damage caused by the accident.
While these are the legal minimums, it’s always a good idea to purchase coverage beyond those limits. The minimums may not cover everything you need in the event of a more serious accident where several people are injured or there is extensive damage. You definitely want to avoid paying as much as possible out of your own pocket.
Coverage Against Your Own Personal Costs
It’s important to remember that a basic liability motorcycle insurance policy does not cover injuries and damages that you incur in an accident that is deemed to be your fault. Having the minimum coverage means that you will have to pay out of pocket for any medical bills, repairs, and other costs that are a result of the accident. By purchasing physical damage coverage, you can make sure that you are protected against such losses. This can include collision insurance, which covers repairs and replacement of your bike. You can also get coverage against theft, vandalism, or damage from the weather.
Uninsured and Underinsured Coverage
This type of coverage will protect your in case you are in an accident with someone who does not have their own insurance or does not have enough to cover the liability. When an accident is someone else’s fault, their insurance provider is required to cover your losses. However, if their coverage is not enough, you could be left holding the bag for unexpected medical costs. With uninsured and underinsured coverage, you can fill in any gaps to make sure that you are not left with huge costs through no fault of your own.
Modified Motorcycle Insurance
A lot of riders like to make changes and enhancements to their ride to get better performance or just for fun. Some of these modifications might not be covered in a standard motorcycle insurance policy. Fortunately, you can purchase additional insurance to protect any additions you’ve made after the purchase of the bike. Just make sure to provide us with the receipts to show the value of everything you’ve added to your bike.
Proof of Insurance
Just like with your automobile, you must carry proof of insurance at all times. If you are stopped by the police and do not have your documentation, you could be fined. It’s important to remember this, since on some bikes it can be tricky to take it with you. There aren’t always obvious places to store documents on a bike like there are in a car. You can always keep your insurance card in a bag or in a wallet that you will always have when you go riding. If you are caught driving without insurance altogether, then there is a chance that your bike could be impounded.
Plus One can provide you with all of the options you need to be fully protected when you are out on the road. Call today for a free quote.
Plus One Insurance
3340 S. HWY 160
Pahrump, NV 89048