What to Consider when Buying Motorcycle Insurance in Maryland

If you will be riding a motorcycle in Maryland, the law requires that you purchase a minimum amount of insurance coverage that will protect you in the event of a motorcycle accident. State law requires 30-60-15 coverage minimums for bodily injury and property damage, uninsured motorist coverage for the same amounts, and $2,500 personal injury protection (PIP). In addition to carrying the minimum amount of insurance, Maryland motorcyclists are required to wear a DOT certified helmet and eye protection, if the helmet does not have a visor.

Although the state requires a minimum level of motorcycle insurance coverage, that does not mean that it will be enough. It is important to choose and purchase motorcycle insurance that is right for you. To make the process easier, Motorcycle-USA.com provides the following guidelines:

• Research several insurance providers and shop around for quotes. Start with your auto insurance provider if you are happy with your coverage. You may even get a discount.
• Speak to an insurance agent, do not only research online. Calling an insurance agent may give you better rates than those offered online.
• Insurance rates are influenced by your age, type of motorcycle, driving record, how you store your bike, how often you ride, where you live, and even your credit score.
• Take your motorcycle riding habits, such as riding seasonally or year-round, into account when choosing your coverage plan.
• A discount may be available if you have taken a recent Motorcycle Safety Foundation (MSF) course or are a member of groups like Harley Owners Group (HOG) or the American Motorcyclist Association (AMA).
• Make sure your motorcycle is protected, basic liability may not be enough, especially if you ride a new and expensive bike.
• Although the most expensive, the best coverage is full Comprehensive and Collision coverage.

Finding the right coverage plan will make sure you and your motorcycle are protected in the event of a Maryland motorcycle accident. If you have suffered injury in a motorcycle crash as the result of another driver’s negligence, experienced Maryland motorcycle accident attorney Steven H. Heisler, “The Injury Lawyer,” can help you pursue compensation for your losses. Call Mr. Heisler today for a consultation at (877) 228-4878.