In Minnesota, motorcyclists are required to carry basic liability, as well as uninsured and underinsured motorist insurance, just like anyone who drives a car. This is, of course, to protect other drivers should we cause an accident. If their vehicle is damaged or totaled, their losses will be covered by our insurance, if we are being held responsible for the accident. Likewise, if we drive over someone's fence or run into a parked car, we can cover their losses through our insurance company rather than dipping into our own savings.
On a motorcycle, you know that while liability is a concern, the real danger of an accident is to you and your bike. Where drivers are enclosed in a metal cage that provides a degree of added protection, a motorcyclist is out in the open on a vehicle small enough to pull through the front door of your house.
In other words, we don't need to tell a motorcyclist that the legal minimum of protection isn't going to be enough. If you want to enjoy the ride, that requires the peace of mind that comes with knowing that, if something happens, you're covered. At the least, that's going to include comprehensive and collision. If you're still paying your bike off, that means gap insurance, and it probably means replacement insurance. Not that you can ever truly replace your favorite bike, but you at least won't be left footing the bill following an accident.
If you're looking to get covered in Minnesota, get in touch with us at Veldhouse Insurance Agency. You can call, get in contact through the website, or visit us at the Veldhouse Insurance Agency offices, and we'll see what we can do to get you covered. We'll compare quotes from several insurers to get you a deal you'll like on the insurance you need.