When the weather is warm, you can’t wait to cruise with your bike. Unfortunately, riding is never risk-free, even when the weather is conducive. If you aren’t riding with a proper motorcycle insurance policy, you are putting yourself and the bike in danger. 

 If you are getting temptations to overlook motorcycle insurance, here is why you should get coverage from The Smith Insurance Group Inc., based in Sandy, UT.

It’s required by law

The last thing you would want to bother you is being slapped with non-compliance penalties and fines. In Utah, all riders must purchase bodily injury and property damage liability coverages in their motorcycle insurance. Motorcycle insurance is even required before you register your bike to obtain license plates.

It covers you against liabilities

Even if you do your best to observe traffic rules, mistakes can happen, leading to accidents. And when this happens, you could face bodily injury and property damage liabilities from other motorists and road users. Without liability insurance, you may have to drum up resources to pay for these costs. 

It covers medical expenses

A motorcycle is the smallest vehicle on the road. As such, you may easily collide with cars that might not be seeing you. Unfortunately, motorcycle injuries can be significant, even after a minor impact. Thankfully, if you have PIP or MedPay coverage, you can focus on your recovery without worrying about medical bills. 

It protects your asset

Besides providing liability and medical expenses coverage, motorcycle insurance covers your bike, too. So, if you are involved in an accident and your bike is damaged or totaled, your insurer compensates you for the loss up to the coverage limit. Otherwise, you may have to finance the damage or replacement from your pocket.

Whether you own an old bike or you are looking to shop for a new one in Sandy, UT, contact The Smith Insurance Group Inc. for affordable motorcycle insurance coverage.