Missouri, just like most states, requires motorcycle insurance. And even though these states have similar laws, it is still imperative to know the differences and what is actually required. There are penalties you may face if you don’t have liability motorcycle insurance. And while it feels good that you are safe from possible penalties due to having minimum insurance requirements, you may feel like liability motorcycle insurance isn’t enough. Having said this, the following includes important information about different types of motorcycle insurance:

• Liability Motorcycle Insurance

This includes the minimum requirements for bodily injury coverage for one individual, property damage liability coverage, and maximum bodily injury coverage allowed for the entire accident. 

• Underinsured/Uninsured Coverage

You can add this coverage to your policy that ensures you are covered if the other party does not have insurance or not enough insurance.

• Comprehensive Coverage

This is coverage for damages of a crash with another vehicle from vandalism, flooding, tree damage, theft, etc to your motorcycle.

• Towing and Labor

Adding this coverage to your policy is important for reimbursing you costs associated with towing and labor upon the breakdown of the motorcycle. 

• Rental Reimbursement

This is coverage for the cost of a rental upon the stealing or repairing of your motorcycle. 

• Personal Injury Protection

This additional coverage option reimburses your lost income, childcare, medical expenses, and other expenses incurred due to a collision. 

There may be other coverage options available that you can add to your motorcycle policy. Consulting a reliable and proficient insurance agent is key to help you get adequate coverage for you. 

Conclusion

When it comes to getting insurance in Jefferson City, MO and surrounding areas, you must have at least the minimum motorcycle insurance required. Furthermore, if you drive your motorcycle without insurance, you may get severe penalties, points added to your driving record, and more. 

For more information about motorcycle insurance, contact Luebbering Insurance Agency LLC today. Located in Jefferson City, MO, Luebbering Insurance Agency LLC consists of highly trained, licensed, and experienced agents who are more than happy to assist you.