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Are you looking to buy a new casual use vehicle this Summer?  A motorcycle is a great choice!  They are great on gas mileage and tons of fun if used properly.  Growing up it was a tradition in my house to get the motorcycle out as soon as the weather was suitable for riding.  There is nothing like it and if you haven't experienced it, I encourage you to do so. 

But you may be wondering what kind of insurance you need or if you need any at all?  Why is it a good idea to have insurance on something you only drive once in a while? 

YES! You definitely need to consider insurance for your motorcycle and here's why (even if you only drive it a few times a year):  You never know when an accident might happen and you want insurance in case you or a passenger are injured, you cause property damage in the course of an accident, or your motorcycle is damaged.  Insurance can cover all these situations so you don't have to pay thousands of dollars out of your own pocket for damages.  Each state has it's own rules, so you want to check in your state to see what is required.

Illinois requires liability limits to be a minimum of $20,000 per person/$40,000 per accident/$15,000 property damage. 

Missouri requires liability limits to be a minimum of $25,000 per person/$50,000 per accident/$15,000 property damage.

When you think about the cost of medical bills and vehicle repairs these limits may seem low and you would be correct. 

Our professionals here at M & M Insurance Agency, Inc. are here to help you decide what liability limits are right for you to protect you and your family.  That's what insurance is all about!  Getting the right protection at the right price, from a locally trusted independent insurance agent.  Contact us now for more information.  And be sure to enjoy your ride! 

Posted 12:00 PM

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