If you are a motorcycle owner or driver, the state of Washington mandates that you have liability coverage on your bike. The required coverage is 25/50/10. That means $25,000 for injury or death to one person in an accident, $50,000 for all the injuries or death from an accident, and $10,000 for property damage. At Johnson Insurance Agency in Lacey, WA, we are independent insurance agents who offer more choices and comparable rates.
By law, you must have liability coverage, but that may not be enough if you have a valuable motorcycle. You have other options for things you can add to your basic policy.
Many things can happen that might damage your motorcycle. If you have a loan on your bike, you will be required to have comprehensive coverage as well as collision coverage.
Comprehensive coverage is known as non-collision coverage. However, it does cover the damage to your bike from a collision with a large animal. This coverage offers protection if your motorcycle is stolen or vandalized. It also protects you from damage that may result from high winds, hail, ice, and flooding. There is a deductible that must be met before the coverage begins.
Collision coverage can help to get your motorcycle repaired or replaced if you get into a collision with another vehicle. If you are the driver at fault, you will need to pay for the repair or replacement of your bike. If it is an expensive bike, you will need this coverage to pay for the cost. It also has a deductible that has to be paid before the coverage kicks in.
When you need motorcycle insurance, contact Johnson Insurance Agency in Lacey, WA, for all your insurance needs. We can be reached by phone or stop by the office to get a no-obligation quote.
