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2622 Dale Earnhardt Blvd
Kannapolis, NC 28083

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Understanding Motorcycle Insurance: Coverage Options and Requirements

Motorcycle insurance is a type of insurance that provides financial protection for motorcycle owners in the event of an accident, theft, or other damages to the bike. Motorcycle insurance is a legal requirement in many areas, so the team at Pethel Insurance Group has put together some easy resources so you can understand what it covers and the options available for you in the Kannapolis, NC area. 

What Does Motorcycle Insurance Cover?

Liability coverage is the minimum requirement for motorcycle insurance in most areas. It covers the cost of damages or injuries to other people in the event of an accident that you’re liable for. This includes things like medical bills, property damage, and legal fees.

Collision coverage covers damages to your motorcycle in the event of an accident. This includes repairs or replacement costs if you’re at fault for the accident or if the other driver is uninsured or underinsured.

Comprehensive coverage provides protection for non-accident-related damages to your motorcycle, such as theft, vandalism, or weather damage.

Additional Coverage Options to Consider for Motorcycle Insurance

Additional coverage options to consider include medical payments coverage, which covers medical expenses for you and your passenger in the event of an accident, as well as roadside assistance, which provides help if your motorcycle breaks down or needs repairs while on the road.

When choosing a motorcycle insurance policy, it’s essential to consider your specific needs and driving habits. Factors that affect your rates include your driving record, the value of your motorcycle, the type of motorcycle you own, and the location where you ride.

Reach Out To Us

At our Pethel Insurance Group, serving the Kannapolis, NC area, we offer a range of motorcycle insurance options to ensure that you have the coverage you need. Our experienced agents can help you navigate the different coverage options and requirements to find the policy for your needs. Contact us today to learn more about our motorcycle insurance options.