WHY MOTORCYCLE

Why do we have to have motorcycle insurance?????

First and foremost,…IT’S THE LAW! But, what defines a motorcycle for the purpose of insurance and license?

“Has a seat or a saddle for the use of the rider and is designed to travel with only 2 or 3 wheels on the ground, having an automatic or manual transmission; and a motor with a cylinder capacity of more than fifty cubic centimeters, which produces more than three gross brake horsepower, and is capable of propelling the device at more than thirty miles per hour on level ground.”

Missouri, as well as our surrounding states have a lot of great riding roads. And most of us want to get out and explore all the wonders those roads have to offer.

Before you hop in the saddle, you need to make sure that you have the proper insurance to protect you and you passenger.

Now, Missouri is a “At Fault” state. What that means is if you were found that you were the cause of an accident while on your motorcycle and do not have insurance, you will be facing fines, penalties and possible jail time. That’s why it is imperative that you carry the proper amount of insurance.

All state requires you to cover at least their state liability minimums. Liability insurance is to protect the other guys and, in most states, as well as your passenger. Missouri is one of those states. Missouri’s liability minimums are 25,000/50,000/25,000. Let’s Break those numbers down. The first two numbers are your bodily injury numbers. The first one is per person/per accident. The second number is the total amount that will be paid for the ALL injury for that one accident not matter the number injured. That the third number is property damage.

Example: You were the cause of an accident and there were injuries to another individual including your passenger, your insurance will cover cost up to the 25,000 per person and up to $50,000 for the all injured. If there was physical damage to other property, then that other $25,000 will cover the cost of those repairs. Just to be clear, Liability DOES NOT cover you physically, The Rider. Make sure you have healthcare.

By Cindy BlantonB