If you don’t have motorcycle insurance in Pennsylvania or Ohio, you have to find another way to prove to the state that you are financially responsible. Some of these ways include having a certificate of proof or having a bond by an authorized surety company. One of the easiest ways to prove financial responsibility is by having insurance. There are also some other benefits of having additional types of insurance.
In order to meet the requirements in Pennsylvania or Ohio, you need to have a specific amount of coverage for an accident that involves two people or more, or a specific amount for one person. You also need to have insurance for property damage as well.
Having the minimum coverage can be expensive, especially if you are a new driver, but there are also some benefits to getting more coverage. An agent at Ruddy Insurance Group can help come up with a policy to suit your needs.
Collision coverage can help cover damages that occur when your motorcycle gets into an accident. This can be with another vehicle, mailbox, or stationary object. Comprehensive coverage will cover any damages that occur due to theft, vandalism, or a natural disaster. Parts and equipment coverage are limited through both comprehensive and collision coverage, so you could also add some accessory coverage to your policy in order to get more.
Custom parts and equipment coverage is usually one of the least expensive types of insurance you can add on, and it can be worth it if you have put a lot of work into your bike and have custom equipment. Even though insurance is required, there is still the chance to get into an accident with someone that doesn’t have enough insurance or insurance at all. This is where uninsured/underinsured motorist coverage comes in. This insurance will pay for any damages and medical bills that occur.
Contact Ruddy Insurance Group, serving Ohio and Pennsylvania, to get a quote on motorcycle insurance.
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