Riding a motorcycle in Miami Beach, FL is riskier than driving a car as you’re much more exposed on the road. If you’re in an accident, you’re more likely to sustain greater injuries and property damage. That’s why it’s important to have motorcycle insurance coverage. The following tips from Assure-Us can help you choose the right coverage for you.

Select Coverage Conducive to Your Lifestyle

Your motorcycle coverage should match your lifestyle. If you’re an avid rider, you’re at greater risk of having an accident, making it necessary to get ample coverage to protect you and others on Miami Beach FL highways. If you’re an occasional rider and mostly use your bike to run errands around town, you can get by with less coverage. Factors like your age, riding experience, and the value of your bike should also be considered when buying your policy.

Protect Your Bike

Motorcycle accidents can cause extensive damage to your bike. Unless you have the money to pay for bike repairs on your own, we recommend you protect your investment with collision, comprehensive and uninsured motorist (UM) coverage.

Collision insurance protects your bike against collision damage while comprehensive insurance covers motorcycle theft and damage from inclement weather, falling objects, or vandalism. If you’re hit by an uninsured motorist, UM coverage helps pay for damage to your motorcycle, to save you money out of pocket.

Fulfill Motorcycle Insurance Requirements

Motorcycle liability coverage is required in Florida to protect others in accidents you cause. When purchasing your policy, make sure you fulfill the Sunshine State’s minimum liability insurance requirements to avoid liability issues if you cause an accident.   

By working with an insurance specialist from Assure-Us, you can have greater confidence in getting adequate motorcycle insurance coverage. Call or visit us today for all your motorcycle insurance needs.