If you live in Georgia and own a motorcycle, you must have an insurance policy to operate as a rider. The city imposes regulations to help you face financial losses you may experience in the event of an accident or crash. Motorcycle insurance is the best way to get financial security in any crash-related injury.
In fact, this is a necessary legal investment one should never overlook. To establish your motorcycle insurance in Georgia, buying traditional insurance via a reliable auto insurance company is the most viable option. However, you need to know the components your motorcycle insurance covers in Georgia.
Motorcycle Insurance Coverage in Georgia
Valid and approved motorcycle insurance in Georgia needs to meet the given requirements.
- $25,000 for any bodily injury or casualty of a person if a motorcycle accident occurs
- A minimum of $40,000 to $50,000 for bodily injury or casualty of two persons in an accident
- Coverage for accident damages of $25,000 to property caused by a crash
In addition to that, all motorcycle owners in Georgia need to carry proof of insurance at all times. Police officers or authorities may ask to pull over and show your proof of insurance.
Georgia Motorcycle Requirements
However, carrying proof of your motorcycle insurance isn’t enough in Georgia.
If you’re a motorcycle owner, you must wear safety gear such as a helmet when riding. This safety measure is essential to protect you in case of a crash.
Keep in mind that you have some financial responsibility as a motorcyclist. Georgia is an at-fault state, so if you’re found at-fault for an accident, you’re responsible for paying for the damage. If you have the minimum policy limit on your bike insurance, you need to pay the remaining balances from a bank account and assets.
You need to establish financial responsibility for the motorcycle. This means being able to cover the costs of the accident involving your bike. Some ways you can include;
- Purchase motorcycle insurance
- Buy traditional liability insurance by contacting your vehicle insurance company
- Use a self-insured program
What to Do if a Motorcycle Crash Occurs
Laws in Georgia provide you certain rights if you’re in an accident or fall victim to someone’s negligence or carelessness. Regardless of the type of accident, you can exercise your insurance claim rights. The best way to deal with the situation or seek compensation is to contact your injury lawyer. He or she will help you file the claim and gets the compensation you deserve.
Motorcycle insurance is essential in the event of a crash or accident. It may be your only way to get financial security if you’re involved in an accident and require money for costs and lost wages. Thus, don’t make the mistake of dismissing this economic and legal necessity as a motorcyclist.