Why you need motorcycle insurance even if you have car insurance

Riding a motorcycle can be fun and adventurous, but it’s important to stay safe and ensure you have proper protection with insurance. No, having auto insurance doesn’t automatically cover your motorcycle. Here are reasons why you need to get a separate policy from a reputable agency like Anthony Lancaster Insurance Inc, serving Memphis, TN, before hitting the road on your bike.

It’s the Law

If you drive your motorcycle in Tennessee without proper liability insurance, you’re breaking the law. Tennessee requires all motor vehicles, including motorcycles, to have their own liability coverage. The minimum coverage for your motorcycle is the same as it is for cars.

Not having proper insurance for your motorcycle in Tennessee can result in having your motorcycle impounded, receiving fines, and even getting a license suspension.

Car Insurance Is Separate

When you have auto insurance, it only covers your specific listed car. It doesn’t automatically extend to your motorcycle. In other words, if a motorcycle is stolen or damaged, your auto insurance will not cover it.

Motorcycles Are High Risk

Riding a motorcycle may be fun, but it’s also high risk, more so than driving a car. When you’re riding a motorcycle, you have more exposure, making you more likely to suffer a serious injury if there’s an accident. With proper insurance, you can have personal injury protection that may help with medical payments and possible uninsured or underinsured motorist coverage.

Motorcycles are also risky because they’re easy to steal and vulnerable to weather or road damage. However, your insurance can cover the cost of repairs or replacement.

Motorcycle enthusiasts in Memphis, TN, can rely on Anthony Lancaster Insurance Inc. for the policy they need. Contact our agents today for more information.