Motorcycle Accident Insurance in Kentucky

For many, riding a motorcycle is an exhilarating experience. Kentucky motorcyclists are often careful and dedicated drivers, and Kentucky’s warm summer months provide optimal weather for riding. Like other motor vehicles, drivers are required to carry insurance on motorcycles that are operated on a public roadway. To help stay safe and law-abiding this motorcycle season and all year-round, keep reading to learn more about motorcycles and motorcycle accident insurance requirements in Kentucky.

Minimum Motorcycle Accident Coverage

In order to satisfy Kentucky law, motorcycles must be covered by liability insurance at a bare minimum. Liability insurance is intended to help you pay for property damage or bodily injury that you may cause someone else in the event of a motorcycle accident. Minimally, your policy must provide up to $25,000 for bodily injury for each person injured in an accident and up to $10,000 for property damage. Medical bills and other expenses resulting from a motorcycle wreck can easily total much more than this, so you should consider protecting yourself further with a larger or more inclusive insurance policy.

If you are involved in a motorcycling accident, don’t forget that your minimum liability insurance will not cover costs to repair or replace your motorcycle. For this coverage, you must add “collision insurance” to your policy. Collision will provide coverage for your wrecked motorcycle in the event of an accident so that you won’t have to pay entirely out of pocket to repair damages or replace your bike in case it is totaled. To protect your investment from things like theft, vandalism, and weather-related incidents, you will need to consider purchasing a comprehensive insurance policy.

If you have recently purchased a motorcycle or are a longtime owner without minimum liability insurance, contact an insurance provider today to discuss your options. Your provider will be able to give you quotes for different types of motorcycle insurance and recommend the best type of coverage for your unique needs and circumstances. Never drive a motorcycle before obtaining minimum insurance coverage. In the event of an accident you may be financially and criminally liable for failure to have insurance. Without liability coverage, anyone who suffers bodily injury or property damage can come after your assets to compensate them for their losses. Even if you are never involved in an accident, operating without insurance may cost you. In Kentucky, you could pay hefty fines or even face jail time depending on the circumstances.

Lastly, if you’ve been involved in a motorcycle accident that was the fault of another motor vehicle operator, contact a personal injury attorney at Saladino & Schaaf to discuss your case.