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Ganley Family Insurance

8748 Brecksville Road
Brecksville, OH 44141

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Ohio motorcycle insurance

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Motorcycle Insurance

The state of Ohio requires all registered vehicles to be insured. While motorcycle owners are required to maintain only minimal levels of liability coverage, many people prefer to purchase a policy that includes extra protection as well. Your independent insurance agents can customize a motorcycle insurance policy ideal for you.

The Liability Requirements

Liability coverage generally includes three distinct components. These include: Bodily injury, property damage, and additional bodily injury coverage for accidents that resulted in damage to more than one vehicle and/or more than one person. The Ohio requirements for liability coverage are: $25,000 bodily injury coverage for accidents in which only one person was hurt, $25,000 property damage coverage for accidents that damaged the other person's vehicle and/or other property, and $50,000 bodily injury coverage for accidents in which two or more people were hurt. These minimum liability amounts are only a general guideline, so if the amounts are too small a motorcycle owner can easily add extra coverage for a small increase in policy rates.

The Optional Coverage Types

The most popular optional coverage types include collision coverage and comprehensive coverage. Collision coverage compensates the motorcycle owner for collision damages to their own motorcycle, while comprehensive coverage compensates the motorcycle owner for non-collision damages such as vandalism or even theft. There are also other optional coverage types, for example underinsured/uninsured driver coverage. This type of coverage would compensate the motorcycle owner for damages caused by another driver who does not have insurance, or a driver who has insufficient insurance.

The Brecksville, OH motorcycle insurance agents at Ganley Family Insurance can create a customized motorcycle insurance policy that meets the unique needs of each client. Call or contact us today to get your free motorcycle insurance quotes!