A bike is much more than a frame and some parts. It’s an integral cog to a life full of adrenaline rush and limitless joy. While you may also use your bike to run errands or commute, don’t forget one thing — motorcycle insurance. And to help you understand the ins and outs of motorcycle insurance in Michigan, High Favor Insurance of Birmingham MI, shares all you need to know about motorcycle insurance.

Is motorcycle insurance required in Michigan?

Absolutely yes. The state requires you to show proof of motorcycle insurance before registering your bike. Besides, when riding your bike on public roads, you need to carry motorcycle insurance all through. Failure to show proof of motorcycle insurance may result in hefty fines and penalties, including jail time.

What’s the legally required motorcycle insurance?

According to Michigan law, a motorcycle isn’t a motor vehicle, and therefore no-fault law doesn’t extend to bikes. Nevertheless, while bikes don’t fall under the no-fault law, you need to carry the below state-required motorcycle insurance coverages. 

• Bodily injury liability: This pays for injuries to third parties for accidents you are deemed liable. The minimum requirement is $50,000 for each person killed or hurt in an accident. You need to purchase $100,000 per accident involving several persons. 
• Property damage liability: Protects you when you cause damage to other people’s properties. The minimum requirement is $10,000 per accident.
• Medical payments: This coverage pays for the medical expenses and funeral expenses for accident-related injuries regardless of who was at fault. 

While it’s essential to observe the state-required minimums, these coverages may not be adequate to protect your bike optimally. That said, you need to consider the below optional motorcycle insurance coverages.

• Collision coverage
• Comprehensive coverage
• Underinsured/uninsured motorist coverage
• Roadside assistance

Are you shopping for motorcycle insurance in Birmingham, MI, and its environs? Please partner with High Favor Insurance. We will offer you an affordable motorcycle insurance plan and help you file a claim in case of an accident.