Motorcycle enthusiasts in the greater Asheville, NC area are fortunate to have such a beautiful area to call home and enjoy on the back of their bikes. If you are interested in getting a bike of your own, you may be wondering about the state’s insurance requirements. The team at Asheville Insurance Center is here to help guide you through the motorcycle insurance selection process as you determine which policy type and coverage level are right for your needs.

The state requires that motorcycle owners have three different types of coverage in their policies: bodily injury per person, bodily injury per incident, and coverage for property damage. We recommend comprehensive policies that also protect you from liability and uninsured drivers. 

Bodily Injury Per Person

This policy will provide coverage for each of the people involved in an accident, whether they are in another vehicle or are your passenger.

Bodily Injury Per Incident

Coverage also includes coverage per incident, which can help cover medical costs in the event of a covered incident. 

Property Damage

If you are involved in an accident that damages or destroys another person’s property or your motorcycle, this coverage will go into effect.

The state’s required coverage levels are quite modest, and if they are exhausted due to damages arising from a covered event, you can become financially liable for the uncovered amounts. It is advisable to opt for a comprehensive motorcycle policy that contains higher coverage levels and more in-depth coverage.

If you are interested in the motorcycle insurance policy options available here in the greater Asheville, NC area, call or stop by the Asheville Insurance Center today to meet with one of our agents. We are here to help you find the appropriate policy to meet your needs.