After a long, frigid winter, a ride to Lake Michigan, or through your home town, can be a great way to celebrate the warmth. Before you hit the road in America’s dairyland, make sure you have the right motorcycle insurance to protect you from financial loss. Wisconsin requires all motorcycle riders purchase liability insurance at the minimum, but you could need much more coverage if you suffer an accident.
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2011 Motorcycle Crash Statistics
- 84 accidents resulted in fatalities.
- 1,938 people were injured in accidents.
- 382 crashes resulted in property damage.
- In total, there were 2,404 motorcycle accidents.
Motorcycle Coverage Options
The legal minimum liability limits for Wisconsin motorcycle riders are $25,000 per person and $50,000 per accident, but these limits may not completely cover the cost of a devastating crash.
Liability is the portion of your insurance policy that protects your personal assets from the cost of a bodily injury or property damage claim against you. It pays settlement costs and your legal defense, up to your policy limits. If you have a home, retirement accounts, and investment portfolios to protect, you may need a higher liability limit than a standard motorcycle policy can provide. If this is a concern, you may need an umbrella policy, also known as extra liability coverage.
Add-ons to a motorcycle policy are similar to car insurance, and can include the following:
- Collision coverage: Liability will only pay for damage to another individual’s motorcycle or car. Any damage that happens to your bike in an accident you cause will come out of your own pocket, unless you have collision insurance
- Comprehensive coverage: Freak accidents, vandalism, and severe weather can all wreak havoc on your bike. Comprehensive will help pay for any damage or theft that occurs, that isn’t a result of a collision.
- Accessories coverage: For many, motorcycles are a hobby, so if you plan on upgrading your bike, this might be a good coverage option. It helps cover the added investment but be sure to hang on to value assessments and receipts.
- Uninsured/underinsured motorist coverage: Just because the state requires that you purchase Wisconsin motorcycle insurance doesn’t mean that everyone obeys the law. If you’re in an accident with someone who has no insurance or inadequate limits, you end up footing the bill, unless you’ve got UM coverage.
- Medical payments: If you’re hurt in an accident, this will help pay for medical expenses.
Bikes come in different sizes and prices, and riders vary in their riding styles and habits, so it can be difficult to know which policy and coverage amounts are right for you. If you have questions, a local agent can help you find the information you need.
Affordable Wisconsin Motorcycle Insurance Quotes
Don’t let price stand in the way of adequate insurance. A Trusted Choice® agent will work with you to develop a plan that fits within your budget. Only ride your bike several months out of the year? You may not need a plan that lasts the entire year. Since these agents work independently, a variety of sources are used to find coverage that matches your comfort level.
An independent agent in the Trusted Choice network can help you find the Wisconsin motorcycle insurance that fits your bike and your riding habits. Local agents can access multiple companies, to find insurance for dirt bikes, sport bikes, choppers, and standard motorcycles. Contact an agent near your home today to get customized Wisconsin motorcycle insurance quotes and information.