Motorcycle Insurance

Whether you just enjoy going for a ride on the weekends or use your motorcycle as a primary means of transportation, Michigan law requires all riders to carry liability insurance that covers both property damage and bodily injury. Heritage Wise Group specializes in helping riders throughout Saginaw, Bay City, and Midland with all of their motorcycle insurance needs.

There are minimum levels of both property damage and bodily injury coverage required under Michigan insurance law. Should you be responsible for an accident, these minimums will help to cover medical costs or property damage costs incurred by other parties. Michigan is one of the few states that practices no-fault auto insurance however it is important to note that this does not apply to motorcycle insurance.

Below we will look at what is required by law as well as some optional coverage you may want to consider to increase protection for you and your motorcycle.

Minimum Michigan Liability Insurance Requirements

  • $20,000 bodily injury coverage per injured person in an accident.
  • $40,000 bodily injury coverage for all injuries in an accident.
  • $10,000 for property damage per accident. 

Remember, these are simply the minimums that you need to carry. Liability insurance will provide coverage for any damage that may occur to your motorcycle or any injuries you may sustain in an accident that you cause. There are various optional coverages available that will provide better protection for both you and your vehicle.  

Collision coverage is a common policy addition that will help to either repair or replace your damaged motorcycle when you are responsible for an accident. Protective gear and apparel such as helmets and riding leathers may be covered under collision coverage as well.
Comprehensive coverage provides similar protection however it is designed to cover your motorcycle if it is damaged by a non-accident related incident. This can include vandalism, damage from various weather-related events, theft, and more.

Even though it is required under Michigan law for drivers and motorcycle riders to carry insurance, not all drivers and riders meet their obligations. Uninsured and underinsured motorist coverage is an optional coverage that will help to pay for medical bills and damage to your property if you are in an accident with someone who does not have adequate liability insurance.

Medical payments coverage helps cover the cost of injuries you may sustain in an accident, regardless of who is at fault. For those who may not have adequate health insurance, medical payments coverage becomes a very valuable policy addition.

There are plenty of discounts available to motorcycle riders in Michigan. Discounts may be available if you store your motorcycle in a garage, if you have completed certain motorcycle safety courses, or if you belong to certain rider groups. Be sure to bundle your auto insurance and homeowners insurance policies together with your motorcycle insurance policy to save the most money.

At Heritage Wise Group, we offer great rates and excellent coverage options on motorcycle insurance throughout Saginaw, Bay City, and Midland. Contact our experienced motorcycle insurance agents today for more information or to receive a free quote!