What Kind Of Insurance Coverage Do I Need On My Motorcycle?

Matthew E. Steinbrink - SiebenCarey "Know Your Rights" AttorneyJune 07, 2021

Covid masks are coming off, things are opening back up, and there’s more traffic on the roads. Summer traffic includes motorcycles, and unfortunately the number of crashes increases with more drivers on the road.   
The kind of coverage you purchase for your motorcycle makes a difference. It’s important to make sure that your new Harley is insured for damages, but it’s equally important that you too can get fixed if you’re hurt because of a motorcycle accident. 
Your automobile coverage on your personal motor vehicle, which affords you with no less than $20,000 for medical and $20,000 for wage loss, will not apply if you are injured on your motorcycle. 
Without access to your personal vehicle’s insurance, you will need to increase other coverages on your motorcycle to make up this difference. Keep in mind, most Minnesota drivers carry $100,000 or less on their auto policies. In many instances, this would be the entire pool of funds available to pay for all of your past and future medical expenses, wage loss, and pain and suffering if you’re injured on a motorcycle. In even modest motorcycle crashes, $100,000 is not enough to pay for all of the losses. 
To protect yourself, your motorcycle coverage should provide Uninsured motorist coverage and Underinsured motorist coverage. These coverages are optional on motorcycle policies so you have to specifically request it be added to your policy. If you already have UM/UIM coverage on your motorcycle, make sure you have at least $250,000 in coverage. This will provide you with a good base of coverage in the event you’re injured.  
If you are seriously injured in a motorcycle accident, the best thing you can do would be to contact us for a free case evaluation. Motorcycle cases have complicated insurance coverage issues that need attention early on in the process. For more information about your legal rights following an accident or injury, contact Matt.Steinbrink@knowyourrights.com or 612-333-9733. 

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