How do you ride? Whether you enjoy cruising on the weekends, or you ride your motorcycle on a daily basis, you need motorcycle insurance tailored to your riding needs and budget. Here at Mid Rivers Insurance, we know how important it is for motorcycle riders to have quality protection. Though we hope you never need it, your coverage can be uniquely designed to protect you, your bike, your passengers, and others out on the road.
Motorcycle Insurance Coverage
A typical motorcycle insurance policy is comprised of multiple types of coverage. Some are optional, and some are mandatory; but all of them work in synergy to provide you with complete protection while you ride.
Bodily Injury and Property Damage Liability Insurance
Missouri has minimum liability insurance requirements of:
- $10,000/accident for property damage
- $25,000/person for bodily injury
- $50,000/accident for bodily injury
Those limits are not enough to fully protect the average rider from potential lawsuits stemming from an at-fault accident. If you are responsible for injuring one or more people, you could be sued for medical bills, lost wages, and more, not to mention the cost to repair or replace the victim’s vehicle. We can help you determine how much liability you might need to protect your income and assets after a wreck.
If you or your passengers need emergency transportation to the hospital or any other medical attention, this type of coverage can help cover the cost. Medical payments insurance pays for medical bills regardless of who was at-fault.
Uninsured and Underinsured Motorist
If you are hit by an uninsured or underinsured motorist, you might find yourself with big medical bills and no one to pay them. Though liability insurance is mandatory in Missouri, many still break the law and drive uninsured. Instead of covering medical expenses out of your own pocket, add uninsured and underinsured motorist insurance that will help cover your expenses.
Whether you collide with another vehicle or scrape up against the side of a building, any damages resulting from an accident are covered by collision insurance. You pay a pre-set deductible, and insurance reimburses you for your loss.
Did you know approximately 45,000 motorcycles are stolen in the U.S. every year? With many bikes valued at $20,000 or more, a theft could be a major loss if you do not have comprehensive insurance. This type of coverage protects you against losses related to non-accident claims, such as theft, vandalism, falling objects, inclement weather, and more.
It’s never a good feeling to find yourself stranded on the side of the road. If you run out of fuel, need a tow, or find yourself in need of emergency assistance, this type of coverage can reimburse you for your costs.
You’ve modified your bike and made it your own. Now, you need to insure the after-market parts and accessories you added to your ride.
You want to maintain your bike’s value and keep it in tip-top shape. If you have damages that need to be repaired, original equipment manufacturer (OEM) coverage ensures your motorcycle will be repaired with new parts from the original manufacturer whenever possible.
St. Peters and St. Louis Motorcycle Insurance Quotes
Working with an independent agency for your motorcycle insurance needs provides you with unique benefits. We can provide quotes from multiple insurers, allowing you to shop and compare rates in-house. We can also explain the details of your policy and answer any questions you may have about your coverage. Finally, we will search high and low to find discounts that help you make the most of your insurance savings.
Call us today to request your free, personalized motorcycle quote from Mid Rivers Insurance, and we’ll help you find protection for the road ahead.