Motorcycle Insurance in Illinois
Many define the joy of motorcycle riding as being those long, endless journeys across our country's roadways. No matter the level of experience as a rider, you need some form of motorcycle insurance to protect yourself from despair. It doesn't matter if you ride a cruiser, a custom bike, or moped, speak with someone from Marvin Sledge Insurance Agency, Inc. of Chicago, IL. Our experienced agents will help you acquire the right coverage for your motorcycle.
How Much Motorcycle Insurance is Required?
Like other on-road insurance policies, motorcycle insurance provides protection from vehicle accidents, theft, and vandalism. You will need to show proof of insurance when registering your motorcycle. The state of Illinois requires all riders to have motorcycle insurance to operate their cycles on public streets and roads. Each motorcycle insurance policy must have bodily injury liability and property damage coverage as well.
Illinois has minimum requirements for all issued motorcycle insurance policies. Every rider must have at least $20,000 of property damage coverage-per-incident, $25,000 of bodily injury liability coverage-per-person, and $50,000 of bodily injury liability coverage-per-incident. This added protection would play a significant role if you were ruled at-fault in a road accident. The coverage helps to pay for all medical care and property damage repairs. The goal is to keep your personal finances stable as those bills can be quite expensive.
Comprehensive and Collision Coverage
Riders who use their motorcycles as a primary source of transportation may need to add optional (comprehensive and collision) coverage onto their existing motorcycle insurance policies. Collectively, each will help with paying for the repairs to their own cycle. Comprehensive coverage pays for the damage caused by fire, theft, or vandalism. Collision coverage helps to repair or replace your motorcycle is damaged by another vehicle or road object. Each is optional, but both are valuable components in protecting your bike.
You need some peace of mind when riding your motorcycle. It's essential to protect your passion with motorcycle insurance. The goal is to feel safe and secured, so speak with Marvin Sledge Insurance Agency, Inc. of Chicago, IL about the viable options available on the market today.