Answers to Important Questions about Motorcycle Insurance in Vermont
Riding a motorcycle offers a whole new way to experience the world as you travel. There’s a certain freedom that you just can’t experience when driving a car, truck or SUV. As with any vehicle, it’s important to carry insurance. Unless you’re already familiar with motorcycle insurance, though, it’s only natural to have a few questions.
Do I Need a Separate Policy for My Motorcycle?
Different states have different laws and requirements when it comes to insuring your vehicles. In Vermont, you’re required to have a policy for your motorcycle that is separate from your policy for other vehicles you may have. That may seem like a redundancy designed to squeeze more of your hard-earned money out of you, but it’s actually for your benefit. If you think about it, the nature of motorcycles means that the risks you run when you ride are different from those you run when riding in a vehicle. In that way, it makes sense to have different policies for each.
How Much Coverage Do I Need?
The additional freedom you enjoy when riding a motorcycle comes with an additional level of danger. While carrying insurance can’t prevent accidents or injury, it can help should such incidents occur. How much coverage you should carry will depend on a few factors. There is the minimum coverage the state requires you to carry. Beyond that, you’ll need to balance what you can afford in terms of your monthly premiums and the amount of coverage you would most likely need if you were to file a claim.
Do I Really Have to Wear a Helmet?
There has been ample debate about the necessity of wearing a helmet. Some believe that they aren’t harming anyone else by choosing to not wear a helmet, while others believe that it’s a crucial and absolutely necessary means of protecting your life when you ride. Regardless of what side of the argument you fall on, the fact remains that insurance policies require you to wear a helmet. This applies regardless of whether you’re the driver or a passenger on a motorcycle as well.
Having motorcycle insurance isn’t just a good idea in case you get in an accident. It’s part of the law. Make sure you have the coverage you need and that you take steps to keep yourself safe, like wearing a helmet when riding. Beyond that, take the time to make sure you ask any other questions about motorcycle insurance in Vermont so you can rest assured that you have all the information you need to select the best policy for you.