A Complete Guide to Motorcycle Insurance

Why Motorcycle Insurance Matters in Massachusetts

Did you know that researchers found that riding a motorcycle can lower stress markers by at least 28%? The study also noted that 20 minutes of motorcycling had effects akin to light exercise. Moreover, motorcyclists seem to have a better sensory focus than those driving cars!

Riding a motorcycle can be fun, thrilling, and exciting. No wonder over 13.15 million motorcycles are now circulating in the US. However, before you become a rider, especially in Massachusetts, it’s crucial to understand the state’s stringent motorcycle insurance laws.

We’ve put together this comprehensive guide to help you navigate these laws and find the best insurance for your needs.

What Is Motorcycle Insurance?

Motorcycle insurance is similar to auto insurance but specifically designed for motorcycles. It provides liability protection and coverage for accidental losses, damages, and theft. The most vital component is liability coverage, which helps pay for costs if you accidentally injure someone or damage someone else’s property.

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Is Motorcycle Insurance Mandatory in Massachusetts?

To legally ride a motorcycle in Massachusetts, you must register it with the state’s Registry of Motor Vehicles (RMV). Before registration, you are required to purchase motorcycle insurance. This is the only way to establish financial responsibility in the state.

Motorcycle Insurance Requirements in Massachusetts

Massachusetts law requires certain minimum insurance coverages for motorcycles. Here’s a breakdown of the compulsory insurance coverages you must include in your policy:

Bodily Injury to Others

• Minimum Requirement: $20,000 per person, $40,000 per accident.
• What It Covers: This policy provides protection if you accidentally injure others or cause an accident that results in death. However, this coverage only applies to accidents that occur within Massachusetts.

Damage to Someone Else’s Property

• Minimum Requirement: $5,000.
• What It Covers: Helps pay for damages you cause to another person’s property, including coverage for anyone you allow to ride your motorcycle.

Personal Injury Protection (PIP)

• Minimum Coverage: Up to $8,000.
• What It Covers: Provides no-fault coverage for medical bills, replacement services, and up to 75% of lost wages due to an accident. It covers you, authorized riders, household members, passengers, and pedestrians.

Bodily Injury Caused by an Uninsured Auto

• Minimum Requirement: $20,000 per person, $40,000 per accident.
• What It Covers: It protects you if you get into an accident with an uninsured or unidentified motorist, including in “hit and run” situations. However, this coverage only applies to bodily injuries, not property damage.

Additional Coverage Options for Comprehensive Protection

While the state sets the minimum requirements, it’s wise to consider additional coverages for more comprehensive protection.

Medical Payments Coverage

Why It’s Important: Motorcycle crashes often result in high medical expenses. This coverage helps pay your medical bills, regardless of who caused the accident.

Comprehensive Coverage

What It Covers: This policy protects your motorcycle from non-collision-related damages like theft, fire, or vandalism. This coverage is a valuable addition since thousands of motorcycles are stolen yearly.

Collision Coverage

Why It’s Important: It covers the cost to repair or replace your motorcycle if it’s damaged in a collision, regardless of who is at fault.

Optional Bodily Injury to Others

Why It’s Important: Provides liability protection for accidents outside of Massachusetts and covers injuries sustained by your passengers.

How Motorcycle Insurance Costs Are Calculated

Your motorcycle insurance premiums depend on several factors:

• Bike’s Year, Make, and Model: Pricier motorcycles or those with larger engines typically cost more to insure.
• Riding and Driving Record: A clean record can result in lower premiums.
• Storage: How you store your bike during the off-season can impact your rates. For added security, consider purchasing a motorcycle storage insurance policy.

Ways to Lower Your Motorcycle Insurance Costs

• Compare Offers: Shop around for insurance companies to find the best deal and use it as leverage to negotiate.
• Maintain a Clean Driving Record: A spotless driving record helps you secure lower premiums. Consider motorcycle training to enhance your skills.
• Bundle Policies: Grouping your car and home insurance with motorcycle insurance may unlock more discounts.

How to Get Motorcycle Insurance in Massachusetts

Working with an independent insurance agent is the best way to find the right policy. An agent can ensure your coverage meets mandatory limits, provide personalized policy options, and help you find the best insurance discounts.

Start Shopping for the Best Motorcycle Insurance Policy Now

Motorcycle insurance is not just a legal requirement but also crucial for financial protection. It’s best to go beyond the state minimums for full coverage that meets your specific needs.

Would you like a motorcycle insurance policy that perfectly fits your needs? Our team at LoPriore Insurance Agency is ready to help. Get in touch with us or request your insurance quote now.