Motorcycle insurance provides the motorcycle owner with financial coverage in cases where he or she is involved in an accident. It not only covers their injuries, but provides coverage when damage is done to their or another person’s property. If you decide to purchase a motorcycle you are required by law in all states to purchase some type of motorcycle insurance, although the amounts of motorcycle insurance you are required to purchase may vary.

Types of motorcycle insurance

Every kind of motorcycle insurance has the same purpose, to financially protect the motorcycle rider and person harmed by the motorcycle rider, and their property. But not every kind of coverage insures the same scenarios. Some of the more popular coverages are:

• Property damage liability motorcycle insurance– This type of insurance helps you cover the damage to the other vehicle and property owned by the victim when you are at fault in a traffic accident.
• Medical Payment Insurance- This insurance covers the medical needs that regular liability does not cover, such as health insurance deductibles, dental care, funeral costs, prescription drugs, etc.
• Uninsured Motorist Coverage– This motorcycle insurance covers you, if you happen to be in an accident with an uninsured motorist.

Motorcycle coverage required in Rochester MN

In Minnesota motorcycle owners are not only required to purchase liability insurance, but are also required by law to carry underinsured and non-insured coverage as well.

Contact a Motorcycle insurance provider

Obtaining the right coverages, and the right amount of coverage, for your motorcycle in the Rochester, Minnesota area can be a complicated decision. It is important that you speak with a knowledgeable motorcycle insurance agent to assist you. Call the insurance agents at Safechoice Insurance Agency today for a no-obligation quote.