Whether you are a weekend rider or use your motorcycle as a primary means of transportation, Georgia law requires all riders to be insured. Every motorcyclist in Georgia is required to carry liability insurance. Of course, additional coverage can be added to a policy to further protect both you and your motorcycle. Hansard Insurance Agency specializes in helping riders throughout Cumming, Dawsonville, Forsyth County, and Dawson County with all their motorcycle insurance needs.
Georgia requires that all motorcycle insurance policies carry certain levels of liability coverage. These minimums will help to cover medical costs or property damage costs incurred by other parties when you are responsible for an accident.
Georgia Motorcycle Insurance Requirements
- Bodily Injury Liability: $25,000 per person and $50,000 for multiple people in an accident.
- Property Damage Liability: $25,000 for a single incident.
Remember, these are simply the minimums that you need to carry to comply with Georgia law. Many riders will choose to purchase more substantial levels of liability coverage to better protect themselves. Optional coverage can also be added to your policy that will provide better protection for both you and your vehicle.
Two of the most common optional coverage types are collision coverage and comprehensive coverage. Collision coverage will help 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 will help to pay for damages to your motorcycle if the damage is the result of a non-accident related incident such as vandalism, damage from various weather-related events, theft, and more.
Medical payments coverage is an optional coverage that will help to pay for costs related to injuries you may sustain in an accident, regardless of who is at fault. This coverage is often a valuable policy addition for those who do not have adequate health insurance.
While auto and motorcycle insurance is required under Georgia law, not everyone is properly insured. 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.
Georgia motorcycle riders can take advantage of many discounts to save money on their insurance. Discounts may be available if you have completed certain motorcycle safety courses, store your motorcycle in a garage, or if you belong to certain rider groups. Bundling your auto insurance and homeowners insurance policies with your motorcycle insurance is a great way to save on all of your insurance needs.
At Hansard Insurance Agency, we offer great rates and excellent coverage options on motorcycle insurance throughout Cumming, Dawsonville, Forsyth County, and Dawson County. Contact our experienced motorcycle insurance agents today for more information or to receive a free quote!